1900 Oak Ave · Northfield, NJ 08225

$595,000

5 bd · 3.5 ba · 2,162 sqft · SingleFamily public records · 35 Days on market

Built 2001 Est $595k · at est.

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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 +25.0/30.0
• DSCR +8.1/10.0
• ARV discount +7.5/15.0
• 1% rule +6.8/10.0
• Schools +3.9/10.0
• Livability +3.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

THIS ONE CHECKS ALL THE BOXES! Superb location, customized design, dramatic entry, expansive kitchen, flexible living space, and room to entertain From the moment you enter this custom-built 5–6 bedroom, 3.5 bath home, you’re welcomed by a dramatic two-story foyer wrapped in marble that immediately sets the tone. The great room features soaring ceilings, a built-in fireplace, and abundant natural light, creating a space that feels both grand and inviting. Just off the foyer, a separate living room or den offers flexibility for everyday living. The formal dining room flows seamlessly from the main living area and opens to a rear deck—perfect for entertaining and enjoying outdoor space. The kitchen is expansive and thoughtfully designed. The center island features the sink, dishwasher, and seating, while a full wall of cabinetry includes a built-in wall oven, microwave, gas cooktop, and extended prep space. Glass-front cabinets and a separate pantry wall provide both character and storage. The multi-level layout offers a natural separation of space. Guest bedrooms, full bath, and laundry are set on one level, while the primary suite above includes a private balcony. An additional bedroom overlooks the foyer and connects via an open railing walkway with views into the great room below. The partially finished daylight basement opens the door to a variety of possibilities, including extended living space or a potential in-law setup, complete with two finished rooms, a full bath, and additional storage. Set on a corner lot with mature landscaping, this home is ideally located with the Northfield Community School just at the end of Mill Road, less than five minutes to both the Garden State Parkway and the Atlantic City Expressway for easy access to Philadelphia, and just minutes over the bridge to the beautiful Margate beaches. The owner has thoughtfully positioned the home to allow the next owner to bring their own vision and personal touches to life. While the property has been well maintained, it is being offered in as-is condition, with the buyer responsible for inspections, certifications, and any updates they may wish to make. Hurry to set up your appointment today through ShowingTime so you don’t miss out on this special opportunity.

Key facts

• Dramatic entry
• Expansive kitchen
• Formal dining room

Tags

• DRAMATIC ENTRY
• EXPANSIVE KITCHEN
• FLEXIBLE LIVING SPACE
• FORMAL DINING ROOM
• PRIVATE BALCONY
• PARTIALLY FINISHED BASEMENT

Property features AI

Exterior

• Parking: Attached front-entry 2-car garage; Driveway with space for 4 vehicles; Total of 6 garage/parking spaces
• Utilities: Public water; Public sewer; Natural gas service
• Home design: Detached home; Year built reported by assessor
• Construction: Vinyl siding; Other type foundation
• Exterior features: Sidewalks; Lawn sprinkler; Deck(s); Porch(es)

Interior

• Kitchen: Dishwasher; Gas range / oven; Microwave; Refrigerator; Self-cleaning oven; Garbage disposal
• Bedrooms: Five bedrooms on the main level
• Flooring: Hardwood; Ceramic tile; Vinyl
• Bathrooms: Three full baths; One half bath
• Heating & cooling: Forced air heating (natural gas); Central air conditioning; Ceiling fans; Natural gas hot water
• Interior features: Ceiling fans; Dining area; Eat-in kitchen; Pantry; Partially finished heated basement; Gas/propane fireplace
• Laundry & utility: Washer

What this means for you Summary

Snapshot

• This is a 5-bed/3.5-bath single-family listed at $595k.

Deal economics

• At list price, monthly cash flow is $1k ($15k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($7k rent vs $595k).
• Recommended offer: $577k (3.0% below list) — sets the bar for market timing.
• Cap rate 8.9% vs local median 5.3% in Northfield — 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 75/100 on livability (#155 in NJ, #3,997 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: amenities F, commute F, cost of living D-.
• Northfield City School District (suburban): math 32% / reading 55% proficiency, ranked #196 of 472 in NJ (top 42%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; only 15% free/reduced lunch — higher-income household profile.
• Market conditions: 47 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 $4k of loan paydown is wiped out by about $18k 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 35 days — a 3% lower offer ($577k) 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 $233k; list at $595k implies a 155% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $577,150 (3.0% below list)

Questions for the listing agent

1. It's been on market 35 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are B-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?
4. 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.
5. 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.
6. 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: 1.18% ✓
• Cap rate: 8.89%
• Cash-on-cash: 9.27%
• DSCR: 1.41
• GRM: 7.1

CMA / ARV

• ARV (on-the-fly): $594,550
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1314 W Mill Rd	0.15mi	4/2.5 (-1)	2,304 (+7%)	14mo	$580,000	$252	62
2419 Cedarbridge Rd	0.47mi	4/3.0 (-1)	1,900 (-12%)	3mo	$625,000	$329	48
602 Revere Ave	0.68mi	4/2.5 (-1)	2,106 (-3%)	13mo	$670,000	$318	44
2300 Cedarbridge Rd	0.59mi	4/2.5 (-1)	2,000 (-8%)	13mo	$550,000	$275	40
19 Locust Dr	0.71mi	4/2.5 (-1)	1,875 (-13%)	3mo	$420,000	$224	33
226 Ridgewood Dr Dr	0.74mi	4/2.0 (-1)	2,052 (-5%)	19mo	$478,000	$233	30

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: 0.91×
• Total profit: $-14,285
• Equity at exit: $88,716

10-year hold

• IRR: 7.4%
• Equity multiple: 1.56×
• Total profit: $93,835
• Equity at exit: $51,445

Cash invested: $166,600 (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 08225

• Home prices YoY: -27.6%
• Active inventory: 47
• Price-to-rent: 7.1×

Monthly cashflow live

• Estimated rent: $7,000 medium
• Mortgage (P&I): −$3,120
• Tax from tax record: −$875 /mo · $10,503/yr
• Insurance: −$248
• HOA: −$0
• Vacancy / Maint / Mgmt: −$1,470
• Net cashflow: $1,287

Break-even live

Break-even rent $5,371

Max offer price $595,000

Occupancy floor 77%

Sensitivity live

Price	-10% $1,623	-5% $1,455	+0% $1,287	+5% $1,118	+10% $950
Rent	-10% $734	-5% $1,010	+0% $1,287	+5% $1,563	+10% $1,840
Rate	-1.0pp $1,586	-0.5pp $1,438	base $1,287	+0.5pp $1,132	+1.0pp $976

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: $148,750
• Closing costs: $17,850
• 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	44d	1	0.31mi

Listing history 31 events

1. 2026-06-21
   days on market $595,000 Active 35 DOM
2. 2026-06-18
   days on market $595,000 Active 33 DOM
3. 2026-06-17
   days on market $595,000 Active 32 DOM
4. 2026-06-16
   days on market $595,000 Active 31 DOM
5. 2026-06-15
   days on market $595,000 Active 30 DOM
6. 2026-06-13
   days on market $595,000 Active 28 DOM
7. 2026-06-12
   days on market $595,000 Active 27 DOM
8. 2026-06-09
   days on market $595,000 Active 24 DOM
9. 2026-06-08
   days on market $595,000 Active 23 DOM
10. 2026-06-07
    days on market $595,000 Active 22 DOM
11. 2026-06-07
    days on market $595,000 Active 21 DOM
12. 2026-06-04
    days on market $595,000 Active 18 DOM
13. 2026-06-02
    days on market $595,000 Active 17 DOM
14. 2026-06-01
    days on market $595,000 Active 16 DOM
15. 2026-05-31
    days on market $595,000 Active 15 DOM
16. 2026-05-16
    listed $595,000 Active
17. 2026-05-08
    price $595,000 2300-char remark

    Show marketing remark (2300 chars)

    THIS ONE CHECKS ALL THE BOXES! Superb location, customized design, dramatic entry, expansive kitchen, flexible living space, and room to entertain From the moment you enter this custom-built 5–6 bedroom, 3.5 bath home, you’re welcomed by a dramatic two-story foyer wrapped in marble that immediately sets the tone. The great room features soaring ceilings, a built-in fireplace, and abundant natural light, creating a space that feels both grand and inviting. Just off the foyer, a separate living room or den offers flexibility for everyday living. The formal dining room flows seamlessly from the main living area and opens to a rear deck—perfect for entertaining and enjoying outdoor space. The kitchen is expansive and thoughtfully designed. The center island features the sink, dishwasher, and seating, while a full wall of cabinetry includes a built-in wall oven, microwave, gas cooktop, and extended prep space. Glass-front cabinets and a separate pantry wall provide both character and storage. The multi-level layout offers a natural separation of space. Guest bedrooms, full bath, and laundry are set on one level, while the primary suite above includes a private balcony. An additional bedroom overlooks the foyer and connects via an open railing walkway with views into the great room below. The partially finished daylight basement opens the door to a variety of possibilities, including extended living space or a potential in-law setup, complete with two finished rooms, a full bath, and additional storage. Set on a corner lot with mature landscaping, this home is ideally located with the Northfield Community School just at the end of Mill Road, less than five minutes to both the Garden State Parkway and the Atlantic City Expressway for easy access to Philadelphia, and just minutes over the bridge to the beautiful Margate beaches. The owner has thoughtfully positioned the home to allow the next owner to bring their own vision and personal touches to life. While the property has been well maintained, it is being offered in as-is condition, with the buyer responsible for inspections, certifications, and any updates they may wish to make. Hurry to set up your appointment today through ShowingTime so you don’t miss out on this special opportunity.

18. 2026-04-02
    listed $625,000 Active 2300-char remark

    Show marketing remark (2300 chars)

    THIS ONE CHECKS ALL THE BOXES! Superb location, customized design, dramatic entry, expansive kitchen, flexible living space, and room to entertain From the moment you enter this custom-built 5–6 bedroom, 3.5 bath home, you’re welcomed by a dramatic two-story foyer wrapped in marble that immediately sets the tone. The great room features soaring ceilings, a built-in fireplace, and abundant natural light, creating a space that feels both grand and inviting. Just off the foyer, a separate living room or den offers flexibility for everyday living. The formal dining room flows seamlessly from the main living area and opens to a rear deck—perfect for entertaining and enjoying outdoor space. The kitchen is expansive and thoughtfully designed. The center island features the sink, dishwasher, and seating, while a full wall of cabinetry includes a built-in wall oven, microwave, gas cooktop, and extended prep space. Glass-front cabinets and a separate pantry wall provide both character and storage. The multi-level layout offers a natural separation of space. Guest bedrooms, full bath, and laundry are set on one level, while the primary suite above includes a private balcony. An additional bedroom overlooks the foyer and connects via an open railing walkway with views into the great room below. The partially finished daylight basement opens the door to a variety of possibilities, including extended living space or a potential in-law setup, complete with two finished rooms, a full bath, and additional storage. Set on a corner lot with mature landscaping, this home is ideally located with the Northfield Community School just at the end of Mill Road, less than five minutes to both the Garden State Parkway and the Atlantic City Expressway for easy access to Philadelphia, and just minutes over the bridge to the beautiful Margate beaches. The owner has thoughtfully positioned the home to allow the next owner to bring their own vision and personal touches to life. While the property has been well maintained, it is being offered in as-is condition, with the buyer responsible for inspections, certifications, and any updates they may wish to make. Hurry to set up your appointment today through ShowingTime so you don’t miss out on this special opportunity.

19. 2015-09-01
    soldstatus $233,000
20. 2015-08-25
    soldstatus $233,000 Sold 493-char remark

    Show marketing remark (493 chars)

    Fabulous Buy-OPEN HOUSE Saturday 07/18/15 from 12 to 2pm $35,025. price drop! Custom built home w/ beautiful landscaped to perfection lawn w/ separate well, 5 zone sprinklers for lawn irrigation. 4 or 5 Bedrooms-3.5 baths-Optional In law quarters possible on lower level bedroom in daylight basement. 2 decks, walk in w/ cedar closet. Waterfall pond, storage shed under deck. Custom built. Many extras! Below market buy! Sold (as is) at this low bargain price. NOT A SHORT SALE. Great schools.

21. 2015-07-21
    historical Under Contract 493-char remark

    Show marketing remark (493 chars)

    Fabulous Buy-OPEN HOUSE Saturday 07/18/15 from 12 to 2pm $35,025. price drop! Custom built home w/ beautiful landscaped to perfection lawn w/ separate well, 5 zone sprinklers for lawn irrigation. 4 or 5 Bedrooms-3.5 baths-Optional In law quarters possible on lower level bedroom in daylight basement. 2 decks, walk in w/ cedar closet. Waterfall pond, storage shed under deck. Custom built. Many extras! Below market buy! Sold (as is) at this low bargain price. NOT A SHORT SALE. Great schools.

22. 2015-07-04
    price $249,975 493-char remark

    Show marketing remark (493 chars)

    Fabulous Buy-OPEN HOUSE Saturday 07/18/15 from 12 to 2pm $35,025. price drop! Custom built home w/ beautiful landscaped to perfection lawn w/ separate well, 5 zone sprinklers for lawn irrigation. 4 or 5 Bedrooms-3.5 baths-Optional In law quarters possible on lower level bedroom in daylight basement. 2 decks, walk in w/ cedar closet. Waterfall pond, storage shed under deck. Custom built. Many extras! Below market buy! Sold (as is) at this low bargain price. NOT A SHORT SALE. Great schools.

23. 2015-02-18
    listed $285,000 Active 493-char remark

    Show marketing remark (493 chars)

    Fabulous Buy-OPEN HOUSE Saturday 07/18/15 from 12 to 2pm $35,025. price drop! Custom built home w/ beautiful landscaped to perfection lawn w/ separate well, 5 zone sprinklers for lawn irrigation. 4 or 5 Bedrooms-3.5 baths-Optional In law quarters possible on lower level bedroom in daylight basement. 2 decks, walk in w/ cedar closet. Waterfall pond, storage shed under deck. Custom built. Many extras! Below market buy! Sold (as is) at this low bargain price. NOT A SHORT SALE. Great schools.

24. 2015-02-18
    historical

    Show marketing remark (493 chars)

    Fabulous Buy-OPEN HOUSE Saturday 07/18/15 from 12 to 2pm $35,025. price drop! Custom built home w/ beautiful landscaped to perfection lawn w/ separate well, 5 zone sprinklers for lawn irrigation. 4 or 5 Bedrooms-3.5 baths-Optional In law quarters possible on lower level bedroom in daylight basement. 2 decks, walk in w/ cedar closet. Waterfall pond, storage shed under deck. Custom built. Many extras! Below market buy! Sold (as is) at this low bargain price. NOT A SHORT SALE. Great schools.

25. 2015-02-06
    historical
26. 2015-01-26
    price $285,000
27. 2014-11-10
    listed $296,900 Active
28. 2014-11-09
    listed $285,000
29. 2014-11-07
    historical
30. 2014-02-04
    listed $296,900 Active
31. 1999-12-16
    soldstatus $52,000

ⓘ 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: $10,503 · $875/mo
• Projected year-2 tax: $12,659 · $1,055/mo
• Expected delta: +$2,156/yr (+$180/mo · 20.5%)

ⓘ 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 · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥99°F today · 16 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $84,000
• − Mortgage interest: −$33,329
• − Property taxes: −$10,503
• − Insurance: −$2,975
• − Repairs & maintenance: −$6,720
• − Management: −$6,720
• − Depreciation: −$17,309
• Taxable income: $6,444
• Est. tax owed @ 24.0%: −$1,547
• After-tax cash flow: $13,893/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: Northfield City School District
• NCES district ID: 3411790
• Math proficiency: 32% ▼ -21.00%
• Reading proficiency: 55% ▲ 2.00%
• Median HH income: $68,950
• Composite: 39.12/100
• National rank: #4039
• State rank: #196 of 472 in NJ

Livability — Northfield

• Score: 75/100
• State rank: #155
• US rank: #3997

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Northfield, NJ
• Population (ZIP): 8,427

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 (74%)
• Race & ethnicity: White 74% Hispanic / Latino 11% Asian 9% Two or more races 7% Black 3%
• Hispanic origin (detail): Mexican 1% Puerto Rican 3% Dominican 2%
• Common ancestry: Romanian 6% Lithuanian 3% Italian 2%
• Foreign-born: 15% · Canada, China
• Languages at home: 79% English-only · Spanish 6% Other Indo-European 6% Chinese 3%

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: ▼ -115.85%
• Current HPI: 304.5862
• 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

+1044.2% since first listed

16 events — show timeline

• 2026-05-16 Listed $595,000 BRIGHT MLS
• 2026-05-08 Price Changed $595,000 SJSRMLS
• 2026-04-02 Listed $625,000 SJSRMLS
• 2015-09-01 Sold (Public Records) $233,000 Public Records
• 2015-08-25 Sold (MLS) $233,000 SJSRMLS
• 2015-07-21 Contingent — SJSRMLS
• 2015-07-04 Price Changed $249,975 SJSRMLS
• 2015-02-18 Listed $285,000 SJSRMLS
• 2015-02-18 Listing Removed — SJSRMLS
• 2015-02-06 Listing Removed — BRIGHT MLS
• 2015-01-26 Price Changed $285,000 SJSRMLS
• 2014-11-10 Listed $296,900 SJSRMLS
• 2014-11-09 Listed $285,000 BRIGHT MLS
• 2014-11-07 Listing Removed — SJSRMLS
• 2014-02-04 Listed $296,900 SJSRMLS
• 1999-12-16 Sold (Public Records) $52,000 Public Records

Property tax history

-0.0%/yr

Latest (2025): $10,503 · +5.2% YoY. Source: county tax records.