340 Cooper Ave · Woodlynne, NJ 08107

$39,000

2 bd · 1.0 ba · 896 sqft · SingleFamily public records · 28 Days on market

Built 1950 1,306 sqft lot

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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).

• Cash flow +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Livability +4.2/5.0
• Condition / age +2.5/5.0
• Rent growth +2.3/5.0
• Schools +1.5/10.0
• Appreciation +0.0/10.0

Listing remarks

This home has major structural damage and is being priced accordingly. There is no entry at this time. Being sold as is where is.

Key facts

• 1,306 sq ft lot
• Built 1950
• Listed 28 days

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $39k.

Deal economics

• At list price, monthly cash flow is $601 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $39k).
• Recommended offer: $38k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 84/100 on livability (#27 in NJ, #751 nationally) — a professional / high-income tenant draw. Strengths: crime A+, amenities A+, commute A+; Watch: schools D.
• Woodlynne School District (suburban): math 11% / reading 25% proficiency, ranked #446 of 472 in NJ (top 94%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 78% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents soft (-0.8%/yr); 66 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 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 $270 of loan paydown is wiped out by about $1k 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 + 0.0% rent growth), your $11k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 28 days — a 2% lower offer ($38k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: flood insurance adds $427/mo; built in 1950 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); major wind risk, 40% 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 $38,415 (1.5% below list)

Questions for the listing agent

1. Built in 1950 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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. 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?
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: 4.21% ✓
• Cap rate: 37.92%
• Cash-on-cash: 112.94%
• DSCR: 6.03
• GRM: 2.0

CMA / ARV

• ARV (on-the-fly): $304,640
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
319 Laurel Ave	0.22mi	3/1.0 (+1)	908 (+1%)	7mo	$187,000	$206	77
338 E Evergreen Ave	0.15mi	3/1.0 (+1)	908 (+1%)	10mo	$283,000	$312	77
1535 Minnesota Rd	0.73mi	2/1.0	900 (+0%)	4mo	$76,000	$84	62
616 Magill Ave	0.51mi	2/1.0	960 (+7%)	23mo	$326,500	$340	46
19 Merion Ter	0.61mi	2/1.0	1,000 (+12%)	13mo	$350,000	$350	41
117 Arlington	0.52mi	2/1.0	785 (-12%)	24mo	$270,000	$344	36

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: 60.4%
• Equity multiple: 3.51×
• Total profit: $27,445
• Equity at exit: $5,815

10-year hold

• IRR: 63.6%
• Equity multiple: 6.11×
• Total profit: $55,771
• Equity at exit: $3,372

Cash invested: $10,920 (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 08107

• Home prices YoY: -25.8%
• Rents YoY: -0.8%
• Active inventory: 66
• Price-to-rent: 2.0×

Monthly cashflow live

• Estimated rent: $1,642 high
• Mortgage (P&I): −$205
• Tax est. 1.5%: −$49 /mo · $585/yr
• Insurance: −$16
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$345
• Net cashflow: $601

Break-even live

Break-even rent $881

Max offer price $39,000

Occupancy floor 58%

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: $9,750
• Closing costs: $1,170
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
145 Cooper Ave Unit 1N Woodlynne, NJ	2.0	1.0	850	$1,725	$2.03	18d	1	0.22mi
141 Cooper Ave Oaklyn, NJ	2.0	1.0	850	$1,725	$2.03	24d	1	0.23mi
301 Champion Ave Oaklyn, NJ	2.0	1.0	661	$1,770	$2.68	4d	3	0.24mi
196 White Horse Pike Collingswood, NJ	1.0	1.0	754	$1,488	$1.97	22d	1	0.39mi
1025 Collings Ave Apt 1 Oaklyn, NJ	1.0	1.0	800	$1,488	$1.86	24d	1	0.47mi
1034 Collings Ave Oaklyn, NJ	2.0	1.0	1100	$1,750	$1.59	18d	1	0.50mi
1220 Grant Ave Unit 2 Oaklyn, NJ	2.0	1.0	1000	$1,800	$1.80	20d	1	0.50mi
430 Richey Ave Unit 1A Oaklyn, NJ	2.0	1.0	897	$2,100	$2.34	4d	1	0.51mi
116 Haddon Ave Collingswood, NJ	1.0	1.0	609	$1,525	$2.50	5d	1	0.69mi
116 Haddon Ave Collingswood, NJ	1.0	1.0	609	$1,525	$2.50	24d	1	0.69mi
716 Richey Ave Unit 2ND FLOOR Oaklyn, NJ	1.0	1.0	850	$1,450	$1.71	24d	1	0.69mi
2892 N Constitution Rd Camden, NJ	3.0	1.0	1040	$2,000	$1.92	24d	1	0.71mi
700 W Browning Rd Oaklyn, NJ	1.0–2.0	1.0	739	$1,867	$2.53	2d	40	0.77mi
225 Haddon Ave Collingswood, NJ	2.0	2.0	1211	$3,372	$2.78	1d	6	0.78mi
3081 Alabama Rd Camden, NJ	2.0	1.0	672	$1,650	$2.46	3d	1	0.80mi
3079 Alabama Rd Camden, NJ	2.0	1.0	832	$1,700	$2.04	24d	1	0.80mi
3255 Crescent Dr Unit 03-3220 Camden, NJ	2.0	1.0	700	$1,350	$1.93	24d	1	0.82mi
3255 Crescent Dr Unit 02-3223 Camden, NJ	1.0	1.0	675	$1,085	$1.61	11d	1	0.82mi
3255 Crescent Dr Unit 16-1586 Camden, NJ	1.0	1.0	650	$1,085	$1.67	24d	1	0.82mi
3255 Crescent Dr Unit 08-1585 Camden, NJ	1.0	1.0	650	$1,200	$1.85	24d	1	0.82mi
2829 Idaho Rd Camden, NJ	3.0	1.5	1048	$1,700	$1.62	24d	1	0.85mi
1612 Independence Rd Camden, NJ	1.0–2.0	1.0	637	$1,350	$2.12	24d	1	0.86mi
132 E Franklin Ave Unit A Collingswood, NJ	2.0	1.0	1000	$2,400	$2.40	24d	1	0.93mi
1021 Monitor Rd Camden, NJ	3.0	1.0	1012	$1,710	$1.69	24d	1	1.05mi
3136 Tuckahoe Rd Camden, NJ	2.0	1.0	800	$1,350	$1.69	24d	1	1.08mi
1532 Bradley Ave Unit A Camden, NJ	1.0	1.0	900	$1,175	$1.31	17d	1	1.15mi
1538 Bradley Ave Unit B Camden, NJ	2.0	1.0	670	$1,195	$1.78	24d	1	1.15mi
1566 Bradley Ave Unit A Camden, NJ	2.0	1.0	640	$1,495	$2.34	24d	1	1.16mi
697 Ferry Ave Camden, NJ	1.0	1.0	700	$1,120	$1.60	24d	1	1.16mi
1502 S 9th St Camden, NJ	2.0	1.0	1050	$1,475	$1.40	19d	1	1.19mi
574 Haddon Ave Collingswood, NJ	2.0	1.0	1100	$1,800	$1.64	17d	1	1.21mi
1364 Kaighn Ave Camden, NJ	1.0	1.0	625	$1,300	$2.08	24d	1	1.21mi
1364 Kaighn Ave Camden, NJ	2.0	1.0	912	$1,485	$1.63	3d	1	1.21mi
595 N Atlantic Ave Collingswood, NJ	1.0–3.0	1.0–2.0	1305	$4,274	$3.28	1d	1	1.24mi
26 E Collingswood Ave Haddon Township, NJ	1.0	1.0	700	$1,300	$1.86	18d	1	1.32mi
26 E Collingswood Ave Haddon Township, NJ	1.0	1.0	700	$1,300	$1.86	10d	1	1.32mi
1245 Empire Ave Unit 1 Camden, NJ	1.0	1.0	825	$1,500	$1.82	24d	1	1.34mi
2 W Oakland Ave Oaklyn, NJ	2.0	1.0	750	$1,425	$1.90	24d	1	1.35mi
2 W Oakland Ave Unit 11 Oaklyn, NJ	1.0	1.0	750	$1,325	$1.77	19d	1	1.38mi
2 W Oakland Ave Unit 11 Oaklyn, NJ	1.0	1.0	750	$1,325	$1.77	24d	1	1.38mi

Listing history 8 events

1. 2026-03-10
   status Pending
2. 2026-02-10
   listed $39,000 Active
3. 1990-12-11
   soldstatus $37,900
4. 1990-04-19
   soldstatus $38,000
5. 1989-11-30
   soldstatus $38,000
6. 1988-03-25
   soldstatus $38,000
7. 1983-09-01
   soldstatus $24,900
8. 1983-08-01
   soldstatus $24,900

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

Climate risk First Street

• 🌊 Flood 7/10 Severe FEMA zone AE · 76% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 7/10 Severe 7 d/yr ≥104°F today · 15 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 40% 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: $19,705
• − Mortgage interest: −$2,185
• − Property taxes: −$585
• − Insurance: −$5,314
• − Repairs & maintenance: −$1,576
• − Management: −$1,576
• − Depreciation: −$1,135
• Taxable income: $7,335
• Est. tax owed @ 24.0%: −$1,760
• After-tax cash flow: $5,454/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: Woodlynne School District
• NCES district ID: 3418270
• Math proficiency: 11% ▼ -15.00%
• Reading proficiency: 25% ▼ -8.00%
• Median HH income: $42,385
• Composite: 15.47/100
• National rank: #9310
• State rank: #446 of 472 in NJ

Livability — Woodlynne

• Score: 84/100
• State rank: #27
• US rank: #751

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Woodlynne, NJ
• County: Camden County · 407,624 people
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• Population (ZIP): 13,574
• Household income: $80,833
• Rent vs Own: 43.2% rent · 56.8% own
• Severe rent burden: 623.0

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: Diverse neighborhood (Simpson 0.62)
• Race & ethnicity: White 56% Black 19% Hispanic / Latino 18% Two or more races 11% Asian 2%
• Hispanic origin (detail): Mexican 7% Puerto Rican 7% Cuban 1% Dominican 1%
• Common ancestry: Romanian 4% Subsaharan African 2% Scotch-Irish 1%
• Foreign-born: 10% · Canada, Vietnam
• Languages at home: 80% English-only · Spanish 14% Other Indo-European 2% French/Haitian/Cajun 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: ▼ -140.51%
• Current HPI: 403.2829
• Rent YoY: ▼ -0.75%
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• 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

+56.6% since first listed

8 events — show timeline

• 2026-03-10 Pending — MOMLS
• 2026-02-10 Listed $39,000 MOMLS
• 1990-12-11 Sold (Public Records) $37,900 Public Records
• 1990-04-19 Sold (Public Records) $38,000 Public Records
• 1989-11-30 Sold (Public Records) $38,000 Public Records
• 1988-03-25 Sold (Public Records) $38,000 Public Records
• 1983-09-01 Sold (Public Records) $24,900 Public Records
• 1983-08-01 Sold (Public Records) $24,900 Public Records

Property tax history

+1.1%/yr

Latest (2025): $4,181 · +1.6% YoY. Source: county tax records.