436 Carver Ave · Lawnside, NJ 08045

$289,999

3 bd · 1.0 ba · 1,214 sqft · SingleFamily public records · 8 Days on market

Built 1970 6,098 sqft lot Est $301k · 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 +17.0/30.0
• Appreciation +10.0/10.0
• ARV discount +9.2/15.0
• DSCR +5.3/10.0
• 1% rule +5.1/10.0
• Livability +3.8/5.0
• Schools +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Welcome to Warwick Hills. This convient location puts you just off rt 30 and 295. A short distance to haddonfields down town shopping, close to parks and is in Haddon Heights highschool district. Don't miss out on this completely remodeled 3 bedroom 1 bath rancher with beautiful refinished hardwood floors. The kitchen features all new ceramic tile floors, oak cabinetry, tile back splash, new counter tops and appliance package. The bathroom is completely updated with all new fixtures, tile floors and custom tile shower surround. You will find recess lighting throughout along with ceiling fans in all the bedrooms. Additional features include brand new heater, air conditioner, windows, interior and exterior doors. There is nothing to do here but move in. The homes interior and exterior have been freshly painted along with a new driveway that leads to the detached one car garage. This home is available for immediate occupancy and can close in time for the extended tax credit.

Key facts

• 6,098 sq ft lot
• Built 1970
• Listed 8 days

Property features AI

Exterior

• Parking: Other parking
• Utilities: Public water; Public sewer; Electric service for heating, cooling and hot water
• Home design: Detached property; Pitched shingle roof
• Construction: Built (year per assessor); Asbestos construction materials; Crawl space foundation; Above-grade and below-grade structures
• Exterior features: Lot dimensions approximately 41.40 x 144.00; Not in a federal flood zone

Interior

• Kitchen: Dishwasher
• Bedrooms: Three bedrooms on the main level; Rooms include living room, dining room, master bedroom, two additional bedrooms, kitchen, and an attic
• Bathrooms: One full bathroom on the main level; One full bathroom total
• Heating & cooling: 90% forced air heating; Central air conditioning (electric); Electric hot water
• Interior features: Butler's pantry; Eat-in kitchen; Assessor-reported living area
• Laundry & utility: Main-floor laundry

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $290k.

Deal economics

• At list price, monthly cash flow is $196 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $290k).

Location & tenants

• Location reads 75/100 on livability (#152 in NJ, #3,974 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, housing A+, employment A-; Watch: schools D-, crime F, amenities F.
• Lawnside School Distric (suburban): math 20% / reading 35% proficiency, ranked #566 of 612 in NJ (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 64% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 21 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals at typical pace (median 19d 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

• In year one you build about $31k of equity ($2k loan paydown + $29k appreciation (10.0% local appreciation)).
• Camden County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $81k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$50k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 8 days on market — expect competitive offers; lowballing is unlikely to land.
• 10 sale attempts since 20y 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 $150k; list at $290k implies a 93% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 56% chance of damaging wind over 30y; extreme-heat days projected 7→14/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $289,999

Questions for the listing agent

1. Built in 1970 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
5. 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.
6. 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.
7. 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: 1.01% ✓
• Cap rate: 7.10%
• Cash-on-cash: 2.89%
• DSCR: 1.13
• GRM: 8.2

CMA / ARV

• ARV (on-the-fly): $301,072
• Comps found: 10

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
436 Carver Ave	0.00mi	3/1.0	1,214 (0%)	0mo	$320,000	$264	100
27 E Phoenix Ave	0.28mi	2/2.0 (-1)	1,200 (-1%)	6mo	$260,000	$217	71
1141 Concord Dr	0.69mi	3/1.0	1,184 (-2%)	1mo	$560,000	$473	63
392 Tavistock Blvd	0.35mi	3/1.5	1,271 (+5%)	14mo	$315,000	$248	62
124 Thomas Ave S Ave S	0.48mi	3/2.5	1,179 (-3%)	11mo	$355,000	$301	58
104 Bell Ave	0.40mi	3/1.5	1,349 (+11%)	5mo	$330,000	$245	57
130 Mouldy Rd	0.40mi	3/1.0	1,161 (-4%)	21mo	$282,000	$243	56
67 Avon Rd	0.62mi	3/2.5	1,164 (-4%)	10mo	$375,000	$322	49
10 Ashland Ave	0.74mi	2/1.5 (-1)	1,184 (-2%)	8mo	$285,000	$241	47
23 W Emlen Ave	0.32mi	4/2.5 (+1)	1,331 (+10%)	14mo	$203,150	$153	46

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

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 26.4%
• Equity multiple: 3.10×
• Total profit: $170,530
• Equity at exit: $261,254

10-year hold

• IRR: 23.1%
• Equity multiple: 7.07×
• Total profit: $492,610
• Equity at exit: $563,404

Cash invested: $81,200 (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 08045

• Home prices YoY: 13.5%
• Active inventory: 21
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $2,936 high
• Mortgage (P&I): −$1,521
• Tax from tax record: −$482 /mo · $5,783/yr
• Insurance: −$121
• HOA: −$0
• Vacancy / Maint / Mgmt: −$617
• Net cashflow: $196

Break-even live

Break-even rent $2,688

Max offer price $289,999

Occupancy floor 88%

Sensitivity live

Price	-10% $360	-5% $278	+0% $196	+5% $114	+10% $32
Rent	-10% $-36	-5% $80	+0% $196	+5% $312	+10% $428
Rate	-1.0pp $342	-0.5pp $270	base $196	+0.5pp $121	+1.0pp $44

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: $72,500
• Closing costs: $8,700
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
400 E Oak Ave Lawnside, NJ	2.0	2.0	1138	$2,528	$2.22	2d	3	0.92mi
325 Tavistock Cherry Hill, NJ	2.0	2.0	1101	$2,400	$2.18	44d	1	1.10mi
154 E Valleybrook Rd Cherry Hill, NJ	3.0	1.5	1413	$3,300	$2.34	44d	1	1.13mi
214 David Pl Magnolia, NJ	4.0	1.0	1280	$2,695	$2.11	2d	1	1.16mi
350 Tavistock Cherry Hill, NJ	2.0	2.0	1005	$2,300	$2.29	21d	1	1.16mi
117 N Brookfield Rd Cherry Hill, NJ	3.0	1.5	1413	$3,200	$2.26	15d	1	1.20mi
214 Tavistock Cherry Hill, NJ	2.0	2.0	1005	$2,650	$2.64	44d	1	1.20mi
220 Lakeview Ave Haddonfield, NJ	2.0	1.5	960	$3,500	$3.65	15d	1	1.25mi
110 Woodcrest Rd Cherry Hill, NJ	1.0–2.0	1.0–2.0	1045	$3,155	$3.02	2d	12	1.31mi
108 Centre St Unit D Haddonfield, NJ	2.0	2.0	1147	$3,250	$2.83	25d	1	1.35mi
205 Douglas Ave Haddonfield, NJ	2.0	2.0	1116	$3,500	$3.14	2d	1	1.47mi
17 Walnut St Haddonfield, NJ	2.0	2.0	1296	$3,200	$2.47	19d	1	1.49mi

Listing history 29 events

1. 2026-06-02
   status $289,999 Pending 8 DOM
2. 2026-05-04
   historical Active Under Contract
3. 2026-04-27
   listed $289,999 Active
4. 2026-04-25
   historical $289,999
5. 2014-01-21
   historical
6. 2013-08-13
   listed $159,900
7. 2010-04-01
   soldstatus $150,000
8. 2010-03-19
   soldstatus $150,000 986-char remark

   Show marketing remark (986 chars)

   Welcome to Warwick Hills. This convient location puts you just off rt 30 and 295. A short distance to haddonfields down town shopping, close to parks and is in Haddon Heights highschool district. Don't miss out on this completely remodeled 3 bedroom 1 bath rancher with beautiful refinished hardwood floors. The kitchen features all new ceramic tile floors, oak cabinetry, tile back splash, new counter tops and appliance package. The bathroom is completely updated with all new fixtures, tile floors and custom tile shower surround. You will find recess lighting throughout along with ceiling fans in all the bedrooms. Additional features include brand new heater, air conditioner, windows, interior and exterior doors. There is nothing to do here but move in. The homes interior and exterior have been freshly painted along with a new driveway that leads to the detached one car garage. This home is available for immediate occupancy and can close in time for the extended tax credit.

9. 2010-03-19
   soldstatus $150,000

   Show marketing remark (986 chars)

   Welcome to Warwick Hills. This convient location puts you just off rt 30 and 295. A short distance to haddonfields down town shopping, close to parks and is in Haddon Heights highschool district. Don't miss out on this completely remodeled 3 bedroom 1 bath rancher with beautiful refinished hardwood floors. The kitchen features all new ceramic tile floors, oak cabinetry, tile back splash, new counter tops and appliance package. The bathroom is completely updated with all new fixtures, tile floors and custom tile shower surround. You will find recess lighting throughout along with ceiling fans in all the bedrooms. Additional features include brand new heater, air conditioner, windows, interior and exterior doors. There is nothing to do here but move in. The homes interior and exterior have been freshly painted along with a new driveway that leads to the detached one car garage. This home is available for immediate occupancy and can close in time for the extended tax credit.

10. 2010-01-11
    historical 986-char remark

    Show marketing remark (986 chars)

    Welcome to Warwick Hills. This convient location puts you just off rt 30 and 295. A short distance to haddonfields down town shopping, close to parks and is in Haddon Heights highschool district. Don't miss out on this completely remodeled 3 bedroom 1 bath rancher with beautiful refinished hardwood floors. The kitchen features all new ceramic tile floors, oak cabinetry, tile back splash, new counter tops and appliance package. The bathroom is completely updated with all new fixtures, tile floors and custom tile shower surround. You will find recess lighting throughout along with ceiling fans in all the bedrooms. Additional features include brand new heater, air conditioner, windows, interior and exterior doors. There is nothing to do here but move in. The homes interior and exterior have been freshly painted along with a new driveway that leads to the detached one car garage. This home is available for immediate occupancy and can close in time for the extended tax credit.

11. 2009-12-14
    listed $154,900 986-char remark

    Show marketing remark (986 chars)

    Welcome to Warwick Hills. This convient location puts you just off rt 30 and 295. A short distance to haddonfields down town shopping, close to parks and is in Haddon Heights highschool district. Don't miss out on this completely remodeled 3 bedroom 1 bath rancher with beautiful refinished hardwood floors. The kitchen features all new ceramic tile floors, oak cabinetry, tile back splash, new counter tops and appliance package. The bathroom is completely updated with all new fixtures, tile floors and custom tile shower surround. You will find recess lighting throughout along with ceiling fans in all the bedrooms. Additional features include brand new heater, air conditioner, windows, interior and exterior doors. There is nothing to do here but move in. The homes interior and exterior have been freshly painted along with a new driveway that leads to the detached one car garage. This home is available for immediate occupancy and can close in time for the extended tax credit.

12. 2009-12-14
    listed $154,900

    Show marketing remark (986 chars)

    Welcome to Warwick Hills. This convient location puts you just off rt 30 and 295. A short distance to haddonfields down town shopping, close to parks and is in Haddon Heights highschool district. Don't miss out on this completely remodeled 3 bedroom 1 bath rancher with beautiful refinished hardwood floors. The kitchen features all new ceramic tile floors, oak cabinetry, tile back splash, new counter tops and appliance package. The bathroom is completely updated with all new fixtures, tile floors and custom tile shower surround. You will find recess lighting throughout along with ceiling fans in all the bedrooms. Additional features include brand new heater, air conditioner, windows, interior and exterior doors. There is nothing to do here but move in. The homes interior and exterior have been freshly painted along with a new driveway that leads to the detached one car garage. This home is available for immediate occupancy and can close in time for the extended tax credit.

13. 2009-08-28
    soldstatus $76,000
14. 2009-08-28
    soldstatus $76,000
15. 2009-07-30
    historical
16. 2009-06-15
    listed $89,900
17. 2009-06-15
    listed $89,900
18. 2009-04-28
    historical
19. 2008-07-23
    listed $110,000
20. 2008-06-30
    historical
21. 2007-04-06
    listed $149,900
22. 2006-08-10
    soldstatus $147,000
23. 2006-07-25
    soldstatus $147,000
24. 2006-05-27
    historical
25. 2006-05-26
    listed $147,000
26. 2006-05-11
    soldstatus $120,000
27. 2006-03-31
    soldstatus $120,000
28. 2006-03-22
    historical
29. 2006-01-18
    listed $120,000

ⓘ 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: $5,783 · $482/mo
• Projected year-2 tax: $6,502 · $542/mo
• Expected delta: +$719/yr (+$60/mo · 12.4%)

ⓘ 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 · 14 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 56% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $35,231
• − Mortgage interest: −$16,244
• − Property taxes: −$5,783
• − Insurance: −$1,450
• − Repairs & maintenance: −$2,818
• − Management: −$2,818
• − Depreciation: −$8,436
• Taxable loss: −$2,320
• Est. tax savings @ 24.0%: +$557
• After-tax cash flow: $2,907/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: Lawnside School Distric
• NCES district ID: 3408340
• Math proficiency: 20% ▬ 0.00%
• Reading proficiency: 35% ▼ -10.00%
• Median HH income: $57,050
• Composite: 27.71/100
• National rank: #12312
• State rank: #566 of 612 in NJ

Livability — Lawnside

• Score: 75/100
• State rank: #152
• US rank: #3974

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lawnside, NJ
• City population: 3,124
• Population (ZIP): 3,124

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 Black (72%)
• Race & ethnicity: Black 72% Hispanic / Latino 20% Two or more races 5% White 4%
• Hispanic origin (detail): Mexican 8% Puerto Rican 4% Dominican 2%
• Common ancestry: Italian 1%
• Foreign-born: 10% · Canada
• Languages at home: 83% English-only · Spanish 16% Other Indo-European 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: ▲ 40.66%
• Current HPI: 341.1483
• 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

+141.7% since first listed

28 events — show timeline

• 2026-05-04 Contingent — BRIGHT MLS
• 2026-04-27 Listed $289,999 BRIGHT MLS
• 2026-04-25 Coming Soon $289,999 BRIGHT MLS
• 2014-01-21 Listing Removed — BRIGHT MLS
• 2013-08-13 Listed $159,900 BRIGHT MLS
• 2010-04-01 Sold (Public Records) $150,000 Public Records
• 2010-03-19 Sold (MLS) $150,000 TREND
• 2010-03-19 Sold (MLS) $150,000 BRIGHT MLS
• 2010-01-11 Listing Removed — BRIGHT MLS
• 2009-12-14 Listed $154,900 TREND
• 2009-12-14 Listed $154,900 BRIGHT MLS
• 2009-08-28 Sold (MLS) $76,000 BRIGHT MLS
• 2009-08-28 Sold (MLS) $76,000 TREND
• 2009-07-30 Listing Removed — BRIGHT MLS
• 2009-06-15 Listed $89,900 BRIGHT MLS
• 2009-06-15 Listed $89,900 TREND
• 2009-04-28 Listing Removed — BRIGHT MLS
• 2008-07-23 Listed $110,000 BRIGHT MLS
• 2008-06-30 Listing Removed — BRIGHT MLS
• 2007-04-06 Listed $149,900 BRIGHT MLS
• 2006-08-10 Sold (Public Records) $147,000 Public Records
• 2006-07-25 Sold (MLS) $147,000 BRIGHT MLS
• 2006-05-27 Listing Removed — BRIGHT MLS
• 2006-05-26 Listed $147,000 BRIGHT MLS
• 2006-05-11 Sold (Public Records) $120,000 Public Records
• 2006-03-31 Sold (MLS) $120,000 BRIGHT MLS
• 2006-03-22 Listing Removed — BRIGHT MLS
• 2006-01-18 Listed $120,000 BRIGHT MLS

Property tax history

+2.7%/yr

Latest (2025): $5,783 · +3.5% YoY. Source: county tax records.