91 Union St, Lodi, NJ 07644

2 bd · 1.5 ba · Lodi · TOWNHOMES·source listing ↗

$499,000

$599,000 first listed

seller intel

Price cut

−16.7%

from $599,000

Motivation score

60/100

OnePercent model (vv1)$3,051/mo

p10–p90 confidence band

HUD Fair Market Rent · 07644 · 2BR$2,200/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

Bergen

Flood risk indexRelatively Moderate FEMA NRI

Median household income$89,305

Median area rent$1,714/mo

Median home value$475,000

the verdict

0.61%vs 0.9% target

wide confidence band

financing: 20% down · — (FRED, live) · 30yr

$499,000

0.61% · rent $3,051

Intrinsic value · income approach

$557,788

11% below intrinsic value

Value = net operating income ÷ market cap rate. Not investment advice.

Ten-year owner return

Equity multiple, per-year cash flow, and appreciation modeling are a Pro feature.