130 N 35th St · Camden, NJ 08105

$160,000

3 bd · 1.5 ba · 1,332 sqft · SingleFamily public records · 34 Days on market

Built 1925 Est $306k · 48% under

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Why this score? — see what drove the B- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +27.4/30.0
• ARV discount +15.0/15.0
• DSCR +9.6/10.0
• 1% rule +7.9/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +0.7/10.0
• Appreciation +0.0/10.0

Listing remarks

Spacious 3-bedroom, 1.5-bathroom home offering three levels of living space and a full basement for additional storage or potential use. The property features a large lot, fenced yard, and a private driveway for convenient off-street parking. Conveniently located with access to nearby roads, shopping, and everyday amenities. Great investment property. Comes with a separate lot included at this price. Property deeded together. Property is being sold as is where is. The seller will not be making any repairs. $170k Tax lien must be paid off at settlement.

Key facts

• Separate lot
• Fenced yard
• Private driveway

Tags

• FULL BASEMENT
• FENCED YARD
• PRIVATE DRIVEWAY
• SEPARATE LOT

Property features AI

Exterior

• Parking: Driveway
• Utilities: Public water; Public septic; Natural gas hot water
• Home design: Detached property; Year built estimated
• Construction: Other foundation type
• Exterior features: No tidal water on the property; Above-grade other structures

Interior

• Bedrooms: Three bedrooms on the main level
• Bathrooms: One full bathroom; One half bathroom
• Heating & cooling: 90% forced air heating (oil-fired); Central air conditioning (electric)
• Interior features: Estimated living area; Unfinished basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $160k.

Deal economics

• At list price, monthly cash flow is $469 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $160k).
• Recommended offer: $155k (3.0% below list) — sets the bar for market timing.
• Cap rate 9.8% vs local median 7.1% in Camden — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 70/100 on livability (#262 in NJ) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, cost of living A; Watch: schools F, crime F, employment F.
• Camden City School District (urban): math 3% / reading 16% proficiency, ranked #472 of 472 in NJ (top 100%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 86% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 61 active listings in the ZIP; 15 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 1,018 units permitted in Camden County in 2024 (509 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Camden County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $45k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 34 days — a 3% lower offer ($155k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 12y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $26k; list at $160k implies a 504% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1925 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 39% chance of damaging wind over 30y; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $155,200 (3.0% below list)

Questions for the listing agent

1. It's been on market 34 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1925 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.29% ✓
• Cap rate: 9.81%
• Cash-on-cash: 12.55%
• DSCR: 1.56
• GRM: 6.5

CMA / ARV

• ARV (on-the-fly): $306,360
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2201 38th St	0.16mi	4/1.5 (+1)	1,328 (-0%)	4mo	$260,000	$196	84
420 N 36th St	0.28mi	3/1.0	1,356 (+2%)	4mo	$186,000	$137	78
127 N 33rd St	0.13mi	4/2.0 (+1)	1,408 (+6%)	6mo	$310,000	$220	72
2249 39th St	0.21mi	3/2.0	1,200 (-10%)	1mo	$201,000	$168	71
1763 41st St	0.49mi	3/2.0	1,260 (-5%)	2mo	$364,900	$290	64
2232 42nd St	0.38mi	3/1.5	1,196 (-10%)	4mo	$268,000	$224	62
1744 43rd St	0.58mi	3/1.0	1,270 (-5%)	6mo	$291,595	$230	58
2503 48th St	0.66mi	3/1.0	1,248 (-6%)	3mo	$300,000	$240	54
520 Beacon Ave	0.74mi	3/2.0	1,289 (-3%)	6mo	$269,950	$209	53
435 N 41st St	0.41mi	3/1.0	1,175 (-12%)	8mo	$369,000	$314	53
3258 N 48th St	0.72mi	3/1.0	1,523 (+14%)	1mo	$365,000	$240	40
4116 Burwood Ave	0.75mi	4/1.0 (+1)	1,167 (-12%)	6mo	$330,000	$283	32

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 2.3%
• Equity multiple: 1.09×
• Total profit: $3,983
• Equity at exit: $23,857

10-year hold

• IRR: 11.9%
• Equity multiple: 1.94×
• Total profit: $42,159
• Equity at exit: $13,834

Cash invested: $44,800 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 21 Tenant-Leaning
• State New Jersey: 21 Tenant-Leaning · D+6
• County: — inherits STATE
• City: — inherits STATE

Anti-eviction Act requires just-cause statewide; rent control in 100+ municipalities; one of the most tenant-friendly states.

Methodology + full state rankings →

ZIP-level market 08105

• Home prices YoY: -30.6%
• Active inventory: 61
• Price-to-rent: 6.5×

Monthly cashflow live

• Estimated rent: $2,061 high
• Mortgage (P&I): −$839
• Tax from tax record: −$253 /mo · $3,042/yr
• Insurance: −$67
• HOA: −$0
• Vacancy / Maint / Mgmt: −$433
• Net cashflow: $469

Break-even live

Break-even rent $1,467

Max offer price $160,000

Occupancy floor 72%

Sensitivity live

Price	-10% $559	-5% $514	+0% $469	+5% $423	+10% $378
Rent	-10% $306	-5% $387	+0% $469	+5% $550	+10% $631
Rate	-1.0pp $549	-0.5pp $509	base $469	+0.5pp $427	+1.0pp $385

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $40,000
• Closing costs: $4,800
• Reserves months: —
• Total cash needed: —

Rent comps 15 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
106 N 34th St Unit B Camden, NJ	3.0	2.0	900	$1,950	$2.17	25d	1	0.02mi
4621 Woodland Ave Pennsauken, NJ	3.0	1.5	1148	$2,200	$1.92	25d	1	0.38mi
380 Garden Ave Camden, NJ	2.0	2.0	1184	$2,100	$1.77	25d	1	0.57mi
2754 Mickle St Camden, NJ	3.0	1.0	1500	$1,850	$1.23	0d	1	0.62mi
2752 Mickle St Camden, NJ	3.0	1.0	1450	$1,850	$1.28	18d	1	0.62mi
324 S 27th St Camden, NJ	3.0	1.0	1152	$1,900	$1.65	25d	1	0.69mi
2323 Browning Rd Pennsauken, NJ	3.0	1.0	923	$2,500	$2.71	25d	1	0.79mi
4137 Marlton Pike Pennsauken Township, NJ	2.0	1.0	900	$1,800	$2.00	25d	1	0.93mi
264 Boyd St Unit B Camden, NJ	2.0	1.0	1616	$1,700	$1.05	25d	1	0.95mi
5122 Garfield Ave Pennsauken, NJ	3.0	1.0	1308	$2,500	$1.91	25d	1	0.96mi
2277 Hollinshed Ave Pennsauken, NJ	3.0	1.5	1164	$2,400	$2.06	25d	1	1.10mi
5729 Irving Ave Pennsauken, NJ	3.0	1.5	1200	$2,150	$1.79	18d	1	1.12mi
1535 Gross Ave Pennsauken, NJ	3.0	1.0	1272	$2,150	$1.69	25d	1	1.13mi
5454 Burwood Ave Pennsauken, NJ	3.0	1.5	1419	$2,650	$1.87	6d	1	1.36mi
6366 Rogers Ave Unit 3 Pennsauken Township, NJ	3.0	1.0	1100	$2,100	$1.91	25d	1	1.40mi

Listing history 29 events

1. 2026-06-21
   days on market $160,000 Active 34 DOM
2. 2026-06-18
   days on market $160,000 Active 31 DOM
3. 2026-06-17
   days on market $160,000 Active 30 DOM
4. 2026-06-16
   days on market $160,000 Active 29 DOM
5. 2026-06-15
   days on market $160,000 Active 28 DOM
6. 2026-06-13
   days on market $160,000 Active 26 DOM
7. 2026-06-13
   days on market $160,000 Active 25 DOM
8. 2026-06-09
   days on market $160,000 Active 22 DOM
9. 2026-06-08
   days on market $160,000 Active 21 DOM
10. 2026-06-07
    days on market $160,000 Active 20 DOM
11. 2026-06-04
    days on market $160,000 Active 17 DOM
12. 2026-06-03
    days on market $160,000 Active 16 DOM
13. 2026-06-02
    days on market $160,000 Active 15 DOM
14. 2026-06-01
    days on market $160,000 Active 14 DOM
15. 2026-05-31
    days on market $160,000 Active 13 DOM
16. 2026-03-19
    historical Active Under Contract
17. 2026-03-08
    listed $160,000 Active
18. 2024-12-26
    status Active
19. 2024-12-26
    historical
20. 2024-08-29
    historical Active Under Contract
21. 2024-08-12
    listed $160,000 Active
22. 2024-04-11
    historical
23. 2024-02-26
    historical Active Under Contract
24. 2024-02-20
    listed $140,000 Active
25. 2023-11-02
    historical
26. 2023-08-17
    listed $120,500 Active
27. 2014-07-30
    historical
28. 2014-03-31
    listed $62,500
29. 2002-09-09
    soldstatus $26,500

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast NJ · Partial reset (capped growth)

• Current annual tax: $3,042 · $253/mo
• Projected year-2 tax: $3,513 · $293/mo
• Expected delta: +$471/yr (+$39/mo · 15.5%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥104°F today · 15 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 39% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,726
• − Mortgage interest: −$8,962
• − Property taxes: −$3,042
• − Insurance: −$800
• − Repairs & maintenance: −$1,978
• − Management: −$1,978
• − Depreciation: −$4,655
• Taxable income: $3,311
• Est. tax owed @ 24.0%: −$795
• After-tax cash flow: $4,829/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Camden City School District
• NCES district ID: 3402640
• Math proficiency: 3% ▼ -6.00%
• Reading proficiency: 16% ▬ 0.00%
• Median HH income: $25,845
• Composite: 6.85/100
• National rank: #9981
• State rank: #472 of 472 in NJ

Livability — Camden

• Score: 70/100
• State rank: #262
• US rank: #7721

Category grades

Amenities A+ Commute A+ Cost of living A Crime F Employment F Housing B+ Health & safety A User ratings F

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Camden, NJ
• City population: 20,865
• Population (ZIP): 26,681

Population outlook (Camden County) Hauer SSP2

• Today (2025): 507,964 people
• By 2030: 502,182 · -1.1%
• By 2040: 485,602 · -4.4%
• By 2050: 465,630 · -8.3%
• By 2075: 419,986 · -17.3%
• By 2100: 369,492 · -27.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (71%)
• Race & ethnicity: Hispanic / Latino 71% Black 24% Two or more races 11% Asian 2% White 1% Native American 1%
• Hispanic origin (detail): Mexican 9% Puerto Rican 33% Dominican 20%
• Common ancestry: Russian 1%
• Foreign-born: 28% · Canada, Vietnam
• Languages at home: 36% English-only · Spanish 59% French/Haitian/Cajun 2% Vietnamese 1%

Political lean MEDSL · Camden

• 2024 margin: Strong D (+27.4) · D 63.0% · R 35.5% · Other 1.5%
• 2008→2024 swing: -8.8pp toward R · 2008: 36.2pp · 2024: 27.4pp
• All cycles: 2024: D+27.4 2020: D+33.5 2016: D+32.4 2012: D+36.6 2008: D+36.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -130.41%
• Current HPI: 295.6492
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 2.05%
• F500 in state: 34

Industry mix (Fortune 500 HQ in NJ)

Industry	F500 HQs	Revenue
▸Consumer Goods	3	$31B
▸Pharmaceuticals	2	$153B
▸Technology	2	$21B
▸Insurance	2	$20B
▸Healthcare	2	$19B
▸Financial Services	1	$70B

Price history

+503.8% since first listed

14 events — show timeline

• 2026-03-19 Contingent — BRIGHT MLS
• 2026-03-08 Listed $160,000 BRIGHT MLS
• 2024-12-26 Relisted — BRIGHT MLS
• 2024-12-26 Listing Removed — BRIGHT MLS
• 2024-08-29 Contingent — BRIGHT MLS
• 2024-08-12 Listed $160,000 BRIGHT MLS
• 2024-04-11 Listing Removed — BRIGHT MLS
• 2024-02-26 Contingent — BRIGHT MLS
• 2024-02-20 Listed $140,000 BRIGHT MLS
• 2023-11-02 Listing Removed — BRIGHT MLS
• 2023-08-17 Listed $120,500 BRIGHT MLS
• 2014-07-30 Listing Removed — BRIGHT MLS
• 2014-03-31 Listed $62,500 BRIGHT MLS
• 2002-09-09 Sold (Public Records) $26,500 Public Records

Property tax history

+2.8%/yr

Latest (2025): $3,042 · +4.1% YoY. Source: county tax records.