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431 Raritan St, Camden, NJ, 08105

2beds
1baths
896sqft
$174,999
$195price/sqft
$1,533/moest. monthly cost
$61,320/yrincome needed

About This Home

PRICE IPROVEMENT! BRING ALL OFFERS! SELLER IS MOTIVATED! Welcome to 431 Raritan Avenue, a clean, move-in-ready home offering comfort, value, and affordable homeownership. This well-maintained property features durable tile flooring, a nicely tiled bathroom, and a functional layout designed for everyday living. The home offers spacious bedrooms with ample natural light and comfortable living areas throughout. A partially finished basement provides valuable additional space that can be used as a family room, home office, recreation area, or extra storage. Major improvements include a newer roof, newer HVAC system with central air, and a new water heater, providing added peace of mind for the next owner. One of the home’s standout features is its exceptionally low property taxes, helping keep monthly ownership costs affordable. Conveniently located near schools, shopping, public transportation, major highways, and just minutes from Philadelphia, this property is ideal for first-time homebuyers, downsizers, or investors looking for a solid, low-maintenance opportunity. Clean, well cared for, and affordably priced, 431 Raritan Avenue is ready to welcome its next owner. Schedule your showing today!

Getting Around

74
WalkingVery Walkable
44
TransitSome Transit
76
BikeVery Bikeable

Schools

3/10
1/10
Camden High SchoolGrades 9-120.5 mi
1/10
East Side High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1940

Materials

  • Foundation: Brick/Mortar
  • Construction materials: Brick

Type & Style

  • Home type: Townhouse
  • Architectural style: Contemporary
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 896

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air,Natural Gas

Interior Area

  • Total structure area: 896
  • Total interior livable area: 896 sqft

Property

Accessibility

  • Accessibility features: 2+ Access Exits

Details

  • Parcel number: 080124200071
  • Zoning: RESIDENTIAL
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 1,394 sqft
  • Lot size dimensions: 16.00 x 0.00

Parking

  • Parking features: Driveway
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingVery High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Heat Wave
Lightning
Winter Weather
Cold Wave
Ice Storm
Strong Wind
Tsunami

FEMA Declared Disasters Across New Jersey Counties

Fire
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $884$10,608
Home Insurance *$96$1,152
Property Taxes $360$4,320
Electricity $193$2,318
Total$1,533$18,396
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$52,560/yr
40% on housing$45,990/yr
45% on housing$40,880/yr

New Jersey FAIR Plan Programs

New Jersey Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 7,029Commercial: 173
Total Premiums$5.54M
Total Exposure$1.19B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.1%
8.1%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.1%
-2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$195This listing

vs Other Active Listings

Avg $/sqft

ZIP 08105$109
Camden County$192

vs Homes Sold Last Month

Median $/sqft

ZIP 08105$174
Camden County$224

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-18Price change$169,900
2026-06-23Listed for sale$174,999
2023-09-22Sold$110,000
2023-07-13Pending sale$110,000
2023-05-16Listed for sale$110,000
2018-11-01Listing removed$80,900
2018-08-16Listed for sale$80,900
2018-03-01Listing removed$89,999
2017-10-10Price change$89,999
2017-08-12Listed for sale$95,500
2006-02-01Sold$26,000

For Sale by Agent

AgentSHELBY MORGAN
BrokerageMorgan Capital Real Estate

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