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402 Thomas St, Perth Amboy, NJ, 08861

4beds
3baths
2,240sqft
$784,999
$350price/sqft
$5,795/moest. monthly cost
$231,800/yrincome needed

About This Home

Welcome to this stunning, move-in-ready home that truly shows like a model! This beautifully maintained 4-bedroom, 2.5-bath residence offers the perfect blend of space, comfort, and style. Step inside to a bright and inviting layout featuring a spacious living room, formal dining room, and beautifully appointed interiors throughout. The kitchen and living areas flow seamlessly, making this home ideal for both everyday living and entertaining. The fully finished walkout basement provides incredible bonus spaceperfect for a recreation room, home office, gym, media room, or extended living needs. Upstairs, you'll find generously sized bedrooms, including a spacious primary suite, along with well-designed bathrooms for comfort and convenience. Step outside to enjoy a private backyard oasis complete with a deckideal for summer BBQs, relaxing mornings, or entertaining guests. With exceptional curb appeal, pride of ownership throughout, and so much more to offer, this is a home you do not want to miss.

Getting Around

47
WalkingCar-Dependent
34
TransitSome Transit
48
BikeSomewhat Bikeable

Schools

5/10
1/10
Perth Amboy High SchoolGrades 9-120.5 mi

Construction

Condition

  • Year built: 2010

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial, Two Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Gas Range/Oven,Microwave,Refrigerator,Range,Washer,Kitchen Exhaust Fan,Gas Water Heater

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Finished, Daylight, Exterior Entry, Den, Recreation Room, Interior Entry, Utility Room

Bathroom

  • Features: Jacuzzi-Type, Stall Shower, Two Sinks

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Features: Formal Dining Room

Features

  • Kitchen,Bath Half,Living Room,Dining Room,Family Room,4 Bedrooms,Laundry Room,Bath Main,Bath Other,Attic
  • Flooring: Ceramic Tile,Wood

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,240
  • Total interior livable area: 2,240 sqft

Kitchen

  • Features: Granite/Corian Countertops, Kitchen Exhaust Fan, Kitchen Island, Pantry, Eat-in Kitchen

Master Bedroom

  • Features: Sitting Area, Full Bath, Walk-In Closet(s)

Property

Details

  • Parcel number: 1600448000000028
  • Zoning: R-50

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Porch,Deck,Patio,Enclosed
  • Exterior features: Open Porch(es),Deck,Patio,Enclosed Porch(es),Fencing/Wall,Yard
  • Has spa: Yes
  • Spa features: Bath
  • Fencing: Fencing/Wall

Lot

  • Lot size: 5,349 sqft
  • Features: Corner Lot
  • Lot size dimensions: 107.00 x 0.00

Parking

  • Total spaces: 1
  • Parking features: Concrete,2 Car Width,Garage,Attached,Built-In Garage,Detached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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

  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Cold Wave
Heat 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 $3,969$47,628
Home Insurance *$279$3,348
Property Taxes $1,301$15,612
Electricity $246$2,963
Total$5,795$69,540
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$198,685/yr
40% on housing$173,850/yr
45% on housing$154,533/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: 7.6%
7.6%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.7%
-2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$350This listing

vs Other Active Listings

Avg $/sqft

ZIP 08861$271
Middlesex County$305

vs Homes Sold Last Month

Median $/sqft

ZIP 08861$317
Middlesex County$345

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
2026-07-13Price change$784,999
2026-06-30Listed for sale$834,900
2021-03-24Listing removed--
2015-08-26Listing removed$342,000
2015-03-31Listed for sale$342,000
2014-06-03Listing removed$330,000
2014-05-21Price change$330,000
2014-04-04Listed for sale$359,000
2011-05-25Sold$328,000

For Sale by Agent

AgentELBA I. LUPO
BrokerageEXP REALTY, LLC

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