7 Crossing Dr · Linwood, NJ 08221

$759,000

4 bd · 3.5 ba · 3,937 sqft · SingleFamily public records · 86 Days on market

Built 1999 Est $945k · 20% under $41/mo HOA · 1% of rent

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Why this score? — see what drove the D+ 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).

• ARV discount +15.0/15.0
• Cash flow +12.5/30.0
• Schools +5.0/10.0
• 1% rule +4.2/10.0
• Livability +3.8/5.0
• DSCR +3.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This large model single family home with 3300+ square feet of living space on a corner in the Linwood Crossings development boasts a main living level with formal living room, dining room, large family room off an open kitchen that leads to a sunny morning room and an outdoor patio. The upper level of this home features a master bedroom with walk-in closet, hall full bath with double vanity and three more excellent bedrooms! The basement has its own kitchenette, a sitting area and also a separate sleeping area for a 5th BEDROOM. .. perfect for any teenager or Au Pair! Attached two-car garage too!

Key facts

• Sunny outdoor patio
• Large family room
• Primary suite

Tags

• CORNER PROPERTY
• FORMAL LIVING ROOM
• LARGE FAMILY ROOM
• BRIGHT MORNING ROOM
• SUNNY OUTDOOR PATIO
• PRIMARY SUITE

Property features AI

Finance

• Other: Finished, heated full basement with inside and outside entrance and plumbing; 6 ft.+ headroom
• HOA & community: HOA fee of $495 per year

Exterior

• Parking: Two-car attached garage; Two exterior parking spaces
• Utilities: Public water; Public sewer; Gas water heater
• Home design: Brick and vinyl exterior; Property listed for sale
• Construction: More than 25 years old
• Exterior features: Front porch; Patio; Sprinkler system; Concrete driveway; Combination storms/screens

Interior

• Kitchen: Gas stove; Self-cleaning oven; Microwave; Dishwasher; Refrigerator; Kitchen pantry; Breakfast nook; Dining area
• Bedrooms: Bedrooms with walk-in closet(s)
• Flooring: Hardwood floors; Tile; Wall-to-wall carpet
• Bathrooms: Three full bathrooms; One half bathroom
• Heating & cooling: Central air conditioning; Natural gas heating; Gas-log fireplace in the living room
• Interior features: Kitchen with center island; Storage spaces including attic storage; Walk-in closet(s); Blinds and curtains; Partially furnished
• Laundry & utility: Washer and dryer; Laundry/utility room

What this means for you Summary

Snapshot

• This is a 4-bed/3.5-bath single-family listed at $759k.

Deal economics

• At list price, monthly cash flow is $-115 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $739k (2.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $700k (7.8% below list).
• Recommended offer: $700k (7.8% below list) — sets the bar for 1% rule.
• Cap rate 6.1% vs local median 1.6% in Linwood — 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 76/100 on livability (#139 in NJ, #3,693 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: amenities F, commute F, cost of living F.
• Linwood City School District (suburban): math 41% / reading 68% proficiency, ranked #90 of 472 in NJ (top 19%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 5% free/reduced lunch — higher-income household profile.
• Zoned schools: Seaview Elementary School (math 42% / reading 57%, grade D, #256 of 1,303 statewide, top 22%, 445 students, 9% FRL); Belhaven Middle School (math 40% / reading 72%, grade B-, #58 of 431 statewide, top 14%, 358 students, 11% FRL); Mainland Regional High School (math 34% / reading 55%, grade F, #149 of 399 statewide, top 40%, 1,181 students, 19% FRL).
• Market conditions: 90 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 672 units permitted in Atlantic County in 2024 (258 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $5k of loan paydown is wiped out by about $23k of value loss. Plan a longer hold.
• Atlantic County population projected at -12% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 86 days — a 6% lower offer ($713k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 14y 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 $642k; 18% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Recommended offer $700,000 (7.8% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 86 days. Have you received any prior offers? Is the seller open to a 8% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
8. 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.
9. 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.
10. 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: 0.92% ✗
• Cap rate: 6.11%
• Cash-on-cash: -0.65%
• DSCR: 0.97
• GRM: 9.0

CMA / ARV

• ARV (on-the-fly): $944,880
• Comps found: 9

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2 E. Poplar Ave	0.51mi	4/3.0	4,000 (+2%)	1mo	$761,000	$190	70
22 Wexford Ln	0.48mi	4/4.5	4,160 (+6%)	1mo	$999,000	$240	63
325 Murphys Way	0.54mi	5/4.5 (+1)	3,676 (-7%)	3mo	$1,080,000	$294	52
14 Wexford Ln	0.56mi	5/2.5 (+1)	4,317 (+10%)	6mo	$1,080,000	$250	44
3 Ridgewood Dr	0.52mi	4/3.0	4,400 (+12%)	19mo	$800,000	$182	38
308 Central Ave	0.75mi	3/3.5 (-1)	3,472 (-12%)	8mo	$1,200,000	$346	33
120 E Oakcrest Ave	0.60mi	4/3.0	3,404 (-14%)	20mo	$495,000	$145	30
6 Rose Ln	0.57mi	5/5.0 (+1)	4,468 (+14%)	17mo	$1,274,999	$285	26
6 Evergreen Rd	0.64mi	5/5.5 (+1)	4,374 (+11%)	22mo	$950,000	$217	20

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: -17.3%
• Equity multiple: 0.39×
• Total profit: $-129,958
• Equity at exit: $113,169

10-year hold

• IRR: -9.2%
• Equity multiple: 0.43×
• Total profit: $-121,161
• Equity at exit: $65,624

Cash invested: $212,520 (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 08221

• Active inventory: 90
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $7,000 medium
• Mortgage (P&I): −$3,980
• Tax from tax record: −$1,307 /mo · $15,688/yr
• Insurance: −$316
• HOA: −$41
• Vacancy / Maint / Mgmt: −$1,470
• Net cashflow: $-115

Break-even live

Break-even rent $7,145

Max offer price $738,702

Occupancy floor 97%

Sensitivity live

Price	-10% $315	-5% $100	+0% $-115	+5% $-330	+10% $-545
Rent	-10% $-668	-5% $-391	+0% $-115	+5% $162	+10% $438
Rate	-1.0pp $267	-0.5pp $78	base $-115	+0.5pp $-312	+1.0pp $-512

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: $189,750
• Closing costs: $22,770
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
102 Julie Dr Northfield, NJ	5.0	3.5	2860	$7,000	$2.45	45d	1	1.10mi

HOA detail

• Monthly dues: $41 · $492/yr

Listing history 29 events

1. 2026-06-22
   days on market $759,000 Under Contract 86 DOM
2. 2026-06-21
   days on market $759,000 Under Contract 85 DOM
3. 2026-06-21
   days on market $759,000 Under Contract 84 DOM
4. 2026-06-18
   days on market $759,000 Under Contract 82 DOM
5. 2026-06-17
   days on market $759,000 Under Contract 81 DOM
6. 2026-06-16
   days on market $759,000 Under Contract 80 DOM
7. 2026-06-15
   days on market $759,000 Under Contract 79 DOM
8. 2026-06-13
   days on market $759,000 Under Contract 77 DOM
9. 2026-06-12
   days on market $759,000 Under Contract 76 DOM
10. 2026-06-09
    days on market $759,000 Under Contract 73 DOM
11. 2026-06-08
    days on market $759,000 Under Contract 72 DOM
12. 2026-06-07
    days on market $759,000 Under Contract 71 DOM
13. 2026-06-07
    days on market $759,000 Under Contract 70 DOM
14. 2026-06-04
    days on market $759,000 Under Contract 67 DOM
15. 2026-06-02
    days on market $759,000 Under Contract 66 DOM
16. 2026-06-01
    days on market $759,000 Under Contract 65 DOM
17. 2026-05-31
    days on market $759,000 Under Contract 64 DOM
18. 2026-04-06
    historical Under Contract
19. 2026-03-28
    listed $759,000 Active
20. 2023-11-02
    soldstatus $642,500
21. 2023-10-04
    soldstatus $642,500 Sold 603-char remark

    Show marketing remark (603 chars)

    This large model single family home with 3300+ square feet of living space on a corner in the Linwood Crossings development boasts a main living level with formal living room, dining room, large family room off an open kitchen that leads to a sunny morning room and an outdoor patio. The upper level of this home features a master bedroom with walk-in closet, hall full bath with double vanity and three more excellent bedrooms! The basement has its own kitchenette, a sitting area and also a separate sleeping area for a 5th BEDROOM. .. perfect for any teenager or Au Pair! Attached two-car garage too!

22. 2023-09-01
    historical Under Contract 603-char remark

    Show marketing remark (603 chars)

    This large model single family home with 3300+ square feet of living space on a corner in the Linwood Crossings development boasts a main living level with formal living room, dining room, large family room off an open kitchen that leads to a sunny morning room and an outdoor patio. The upper level of this home features a master bedroom with walk-in closet, hall full bath with double vanity and three more excellent bedrooms! The basement has its own kitchenette, a sitting area and also a separate sleeping area for a 5th BEDROOM. .. perfect for any teenager or Au Pair! Attached two-car garage too!

23. 2023-06-12
    listed $655,000 Active 603-char remark

    Show marketing remark (603 chars)

    This large model single family home with 3300+ square feet of living space on a corner in the Linwood Crossings development boasts a main living level with formal living room, dining room, large family room off an open kitchen that leads to a sunny morning room and an outdoor patio. The upper level of this home features a master bedroom with walk-in closet, hall full bath with double vanity and three more excellent bedrooms! The basement has its own kitchenette, a sitting area and also a separate sleeping area for a 5th BEDROOM. .. perfect for any teenager or Au Pair! Attached two-car garage too!

24. 2013-08-07
    soldstatus $365,000
25. 2013-07-31
    soldstatus $365,000 543-char remark

    Show marketing remark (543 chars)

    Terrific opportunity to live in Linwood Crossing, Hardwood & 2 story entryway, eat in kitchen with center island, tile fl & bright sunroom, sliders to paver patio & low maintenance yard. Large family rm steps down off kitchen & showcases marble surround, gas fireplace w oak mantle, formal living & Dining rooms too. Upstairs Master suite w walk in closet & 2 sink bath, Large bedrooms & hall bath has been updated w new vanity. Full Basement w high ceilings, built in closets and walk-out bilko door.

26. 2013-05-29
    historical 543-char remark

    Show marketing remark (543 chars)

    Terrific opportunity to live in Linwood Crossing, Hardwood & 2 story entryway, eat in kitchen with center island, tile fl & bright sunroom, sliders to paver patio & low maintenance yard. Large family rm steps down off kitchen & showcases marble surround, gas fireplace w oak mantle, formal living & Dining rooms too. Upstairs Master suite w walk in closet & 2 sink bath, Large bedrooms & hall bath has been updated w new vanity. Full Basement w high ceilings, built in closets and walk-out bilko door.

27. 2013-02-22
    listed $369,000 543-char remark

    Show marketing remark (543 chars)

    Terrific opportunity to live in Linwood Crossing, Hardwood & 2 story entryway, eat in kitchen with center island, tile fl & bright sunroom, sliders to paver patio & low maintenance yard. Large family rm steps down off kitchen & showcases marble surround, gas fireplace w oak mantle, formal living & Dining rooms too. Upstairs Master suite w walk in closet & 2 sink bath, Large bedrooms & hall bath has been updated w new vanity. Full Basement w high ceilings, built in closets and walk-out bilko door.

28. 2012-10-01
    historical
29. 2012-03-19
    listed $389,000

ⓘ 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: $15,688 · $1,307/mo
• Projected year-2 tax: $17,294 · $1,441/mo
• Expected delta: +$1,605/yr (+$134/mo · 10.2%)

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

Taxation est. · year 1

• Rental income: $84,000
• − Mortgage interest: −$42,516
• − Property taxes: −$15,688
• − Insurance: −$3,795
• − Repairs & maintenance: −$6,720
• − Management: −$6,720
• − HOA: −$492
• − Depreciation: −$22,080
• Taxable loss: −$14,011
• Est. tax savings @ 24.0%: +$3,363
• After-tax cash flow: $1,984/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: Linwood City School District
• NCES district ID: 3408670
• Math proficiency: 41% ▼ -27.00%
• Reading proficiency: 68% ▼ -13.00%
• Median HH income: $86,484
• Composite: 49.9/100
• National rank: #1942
• State rank: #90 of 472 in NJ

Livability — Linwood

• Score: 76/100
• State rank: #139
• US rank: #3693

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Linwood, NJ
• City population: 6,954
• Population (ZIP): 6,954

Population outlook (Atlantic County) Hauer SSP2

• Today (2025): 268,948 people
• By 2030: 264,497 · -1.7%
• By 2040: 252,261 · -6.2%
• By 2050: 237,846 · -11.6%
• By 2075: 210,650 · -21.7%
• By 2100: 180,234 · -33.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (81%)
• Race & ethnicity: White 81% Two or more races 7% Hispanic / Latino 6% Asian 5% Black 2%
• Hispanic origin (detail): Mexican 3%
• Common ancestry: Romanian 7% Scotch-Irish 6% Italian 2%
• Foreign-born: 10% · Canada, China, South Korea
• Languages at home: 87% English-only · Spanish 5% Other Indo-European 3% Russian/Polish/Slavic 1%

Political lean MEDSL · Atlantic

• 2024 margin: Toss-up / Even · D 47.7% · R 50.7% · Other 1.6%
• 2008→2024 swing: -18.1pp toward R · 2008: 15.1pp · 2024: -3.0pp
• All cycles: 2024: R+3.0 2020: D+6.7 2016: D+6.2 2012: D+17.2 2008: D+15.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -275.39%
• Current HPI: 280.1544
• 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

+95.1% since first listed

12 events — show timeline

• 2026-04-06 Contingent — SJSRMLS
• 2026-03-28 Listed $759,000 SJSRMLS
• 2023-11-02 Sold (Public Records) $642,500 Public Records
• 2023-10-04 Sold (MLS) $642,500 SJSRMLS
• 2023-09-01 Contingent — SJSRMLS
• 2023-06-12 Listed $655,000 SJSRMLS
• 2013-08-07 Sold (Public Records) $365,000 Public Records
• 2013-07-31 Sold (MLS) $365,000 SJSRMLS
• 2013-05-29 Listing Removed — SJSRMLS
• 2013-02-22 Listed $369,000 SJSRMLS
• 2012-10-01 Listing Removed — BRIGHT MLS
• 2012-03-19 Listed $389,000 BRIGHT MLS

Property tax history

+3.2%/yr

Latest (2025): $15,688 · +3.0% YoY. Source: county tax records.