342 S Orchard Rd · Vineland, NJ 08360

$200,000

4 bd · 2.0 ba · 1,433 sqft · SingleFamily public records · 1 Days on market

Built 1953 0.30 ac lot Est $337k · 41% under

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Why this score? — see what drove the C 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 +20.3/30.0
• ARV discount +15.0/15.0
• 1% rule +6.6/10.0
• DSCR +6.5/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.9/10.0
• Appreciation +0.0/10.0

Listing remarks

Investor Special with Incredible Potential! This property is a fantastic opportunity for investors or buyers looking to create their dream home. While the home has experienced water damage, it offers a solid foundation and endless possibilities for renovation and customization. Conveniently located near shopping centers, the hospital, and easy access to Route 55, this home is perfectly positioned for both convenience and future value. Bring your vision and transform this property into something truly special. Opportunities like this don’t last long—schedule your showing today!

Key facts

• 0.3 acre lot
• Built 1953

Property features AI

Exterior

• Parking: On-street parking; Driveway
• Utilities: Public water; Public sewer; Natural gas for heating and hot water; Electric cooling fuel; Cable TV available; Central air
• Home design: Detached structure; Pitched shingle roof; Above-grade and below-grade structures; Shed on property; Estimated year built
• Construction: Brick construction; Block foundation; Full basement, partially finished
• Exterior features: Porch(es); Corner lot

Interior

• Kitchen: Built-in microwave; Stove; Upgraded countertops; Eat-in kitchen layout
• Bedrooms: Two bedrooms on the main level; Two bedrooms on the first upper level
• Flooring: Wood floors; Carpet
• Bathrooms: Two full bathrooms (one on main level, one on first upper level)
• Heating & cooling: Hot water heating (natural gas); Central A/C; Wall unit; Ceiling fan(s)
• Interior features: Butler's pantry; Attic with house fan; Central vacuum; Attic; Ceiling fan(s); Chair railings; Traditional floor plan; Eat-in kitchen; Stall shower; Tub/shower; Upgraded countertops; Wood floors; Carpet; Entry-level bedroom
• Laundry & utility: Washer and dryer; Laundry in basement

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $200k.

Deal economics

• At list price, monthly cash flow is $257 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $200k).
• Cap rate 7.8% vs local median 4.5% in Vineland — 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 66/100 on livability (#363 in NJ) — a middle-class / working-renter tenant base. Strengths: housing A+, health & safety A+; Watch: employment D+, schools D, crime F.
• Vineland Public School District (urban): math 9% / reading 34% proficiency, ranked #418 of 472 in NJ (top 89%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 173 active listings in the ZIP; 216 units permitted in Cumberland County in 2024 (73 in 5+ unit buildings).
• This rent runs 43% of the median local income ($65k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Cumberland County population projected to shrink 7% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 8 sale attempts since 9y ago; this cycle's ask is 11% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Watch-outs: property tax is 2.7% of price; built in 1953 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 69% 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 $200,000

Questions for the listing agent

1. Built in 1953 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are D-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: 1.16% ✓
• Cap rate: 7.84%
• Cash-on-cash: 5.51%
• DSCR: 1.25
• GRM: 7.2

CMA / ARV

• ARV (on-the-fly): $336,755
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
775 S Orchard Rd	0.44mi	3/1.0 (-1)	1,440 (+0%)	3mo	$245,500	$170	68
1062 Hickory Dr	0.63mi	3/2.5 (-1)	1,446 (+1%)	2mo	$350,000	$242	60
1040 Hickory Dr	0.64mi	3/2.5 (-1)	1,446 (+1%)	3mo	$350,000	$242	59
817 Cheltenham Dr	0.50mi	3/1.5 (-1)	1,422 (-1%)	11mo	$299,900	$211	59
1050 Hickory Dr	0.64mi	3/2.5 (-1)	1,446 (+1%)	4mo	$340,000	$235	59
628 Bradford	0.34mi	3/2.0 (-1)	1,530 (+7%)	12mo	$290,000	$190	58
1063 Hickory Dr	0.67mi	3/2.5 (-1)	1,427 (-0%)	8mo	$379,900	$266	54
1041 Hickory Dr	0.65mi	3/2.5 (-1)	1,427 (-0%)	9mo	$379,900	$266	54
627 Nottingham Dr	0.35mi	5/1.0 (+1)	1,346 (-6%)	13mo	$299,900	$223	54
698 Nottingham Dr	0.44mi	3/3.0 (-1)	1,387 (-3%)	16mo	$359,900	$259	52
28 W Almond St	0.66mi	3/1.0 (-1)	1,318 (-8%)	2mo	$219,999	$167	45
348 N Orchard Rd	0.69mi	3/2.0 (-1)	1,580 (+10%)	14mo	$301,000	$191	34

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: -7.7%
• Equity multiple: 0.72×
• Total profit: $-15,866
• Equity at exit: $29,821

10-year hold

• IRR: 2.0%
• Equity multiple: 1.14×
• Total profit: $7,924
• Equity at exit: $17,292

Cash invested: $56,000 (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 08360

• Active inventory: 173
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $2,328 medium
• Mortgage (P&I): −$1,049
• Tax from tax record: −$450 /mo · $5,397/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$489
• Net cashflow: $257

Break-even live

Break-even rent $2,002

Max offer price $200,000

Occupancy floor 84%

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: $50,000
• Closing costs: $6,000
• Reserves months: —
• Total cash needed: —

Listing history 27 events

1. 2026-04-30
   status Pending
2. 2026-04-29
   historical $200,000
3. 2026-03-16
   historical
4. 2025-12-10
   historical Active Under Contract
5. 2025-12-09
   listed $180,000 Active
6. 2024-12-20
   price $239,000
7. 2024-10-12
   status Pending
8. 2024-10-12
   historical
9. 2024-06-14
   price $279,900
10. 2024-06-12
    listed $269,900 Active
11. 2023-11-10
    historical
12. 2023-09-18
    price $267,900
13. 2023-08-07
    listed $269,900 Active
14. 2022-10-28
    soldstatus $247,500 Closed
15. 2022-09-11
    status Pending
16. 2022-08-16
    listed $240,000 Active
17. 2022-08-14
    historical $240,000
18. 2022-07-12
    historical
19. 2022-06-08
    listed $230,000 Active
20. 2019-03-17
    historical
21. 2018-11-05
    price $170,000
22. 2018-09-17
    listed $180,000 Active
23. 2018-09-15
    historical
24. 2018-06-14
    listed $180,000 Active
25. 2018-05-18
    historical
26. 2018-03-09
    price $185,000
27. 2017-11-22
    listed $189,900 Active

ⓘ 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: $5,397 · $450/mo
• Projected year-2 tax: $5,397 · $450/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 7/10 Severe 7 d/yr ≥103°F today · 15 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 69% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $27,937
• − Mortgage interest: −$11,203
• − Property taxes: −$5,397
• − Insurance: −$1,000
• − Repairs & maintenance: −$2,235
• − Management: −$2,235
• − Depreciation: −$5,818
• Taxable income: $48
• Est. tax owed @ 24.0%: −$12
• After-tax cash flow: $3,075/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: Vineland Public School District
• NCES district ID: 3416800
• Math proficiency: 9% ▼ -17.00%
• Reading proficiency: 34% ▬ 0.00%
• Median HH income: $51,168
• Composite: 19.17/100
• National rank: #8819
• State rank: #418 of 472 in NJ

Livability — Vineland

• Score: 66/100
• State rank: #363
• US rank: #12180

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Vineland, NJ
• County: Cumberland County · 80,266 people
• City population: 45,038
• Metro: Vineland-Bridgeton, NJ
• Population (ZIP): 45,038
• Household income: $65,359
• Rent vs Own: 34.7% rent · 65.3% own
• Severe rent burden: 1328.0

Population outlook (Cumberland County) Hauer SSP2

• Today (2025): 152,743 people
• By 2030: 150,373 · -1.6%
• By 2040: 146,881 · -3.8%
• By 2050: 142,653 · -6.6%
• By 2075: 129,468 · -15.2%
• By 2100: 107,456 · -29.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.62)
• Race & ethnicity: Hispanic / Latino 51% White 32% Two or more races 17% Black 11% Asian 1%
• Hispanic origin (detail): Mexican 11% Puerto Rican 33% Dominican 2%
• Common ancestry: Romanian 2% Subsaharan African 1% Scotch-Irish 1%
• Foreign-born: 14% · Canada, Jamaica
• Languages at home: 59% English-only · Spanish 37% Russian/Polish/Slavic 2% Other Indo-European 1%

Political lean MEDSL · Cumberland

• 2024 margin: Toss-up / Even · D 47.6% · R 51.3% · Other 1.1%
• 2008→2024 swing: -25.4pp toward R · 2008: 21.6pp · 2024: -3.8pp
• All cycles: 2024: R+3.8 2020: D+6.0 2016: D+5.3 2012: D+23.1 2008: D+21.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -320.06%
• Current HPI: 278.786
• Rent YoY: —
• Metro: Vineland-Bridgeton, NJ
• 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

+5.3% since first listed

27 events — show timeline

• 2026-04-30 Pending — BRIGHT MLS
• 2026-04-29 Coming Soon $200,000 BRIGHT MLS
• 2026-03-16 Listing Removed — BRIGHT MLS
• 2025-12-10 Contingent — BRIGHT MLS
• 2025-12-09 Listed $180,000 BRIGHT MLS
• 2024-12-20 Price Changed $239,000 BRIGHT MLS
• 2024-10-12 Pending — BRIGHT MLS
• 2024-10-12 Listing Removed — BRIGHT MLS
• 2024-06-14 Price Changed $279,900 BRIGHT MLS
• 2024-06-12 Listed $269,900 BRIGHT MLS
• 2023-11-10 Listing Removed — BRIGHT MLS
• 2023-09-18 Price Changed $267,900 BRIGHT MLS
• 2023-08-07 Listed $269,900 BRIGHT MLS
• 2022-10-28 Sold (MLS) $247,500 BRIGHT MLS
• 2022-09-11 Pending — BRIGHT MLS
• 2022-08-16 Listed $240,000 BRIGHT MLS
• 2022-08-14 Coming Soon $240,000 BRIGHT MLS
• 2022-07-12 Listing Removed — BRIGHT MLS
• 2022-06-08 Listed $230,000 BRIGHT MLS
• 2019-03-17 Listing Removed — BRIGHT MLS
• 2018-11-05 Price Changed $170,000 BRIGHT MLS
• 2018-09-17 Listed $180,000 BRIGHT MLS
• 2018-09-15 Listing Removed — BRIGHT MLS
• 2018-06-14 Listed $180,000 BRIGHT MLS
• 2018-05-18 Listing Removed — BRIGHT MLS
• 2018-03-09 Price Changed $185,000 BRIGHT MLS
• 2017-11-22 Listed $189,900 BRIGHT MLS

Property tax history

+4.2%/yr

Latest (2025): $5,397 · +3.9% YoY. Source: county tax records.