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3157 Sterling Street, Toms River, NJ, 08753

3beds
3baths
2,360sqft
$995,000
$422price/sqft
$7,035/moest. monthly cost
$281,400/yrincome needed

About This Home

Custom-built in 2023 with water views, this meticulously maintained home is located in the highly sought-after Windsor Park community. Offering 3 bedrooms and 3 full bathrooms, the residence features a bright, open-concept floor plan designed for today's lifestyle. The custom kitchen is the heart of the home, featuring premium Café appliances, a Copper range hood, quality finishes, and abundant cabinetry. Elegant porcelain and hardwood flooring flow throughout, complemented by custom closets with ample storage. Designed with both comfort and convenience in mind, this home features a private elevator, whole-house generator, a gas fireplace, and two oversized garages with epoxy-finished floors. Two private balconies provide the perfect setting to relax, take in the water views, and enjoy breathtaking sunsets. Whether a primary residence or vacation retreat, this home offer everything for luxury coastal living. Conveniently located just minutes from pristine beaches, the boardwalk, shopping dining and major roadways, this exceptional home is truly move-in ready and ready to be enjoyed.

Getting Around

33
WalkingCar-Dependent
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

6/10
7/10

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Timberline

Type & Style

  • Home type: SingleFamily
  • Architectural style: Custom
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Finished,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Balcony,Elevator,Recessed Lighting
  • Door features: Sliding Doors
  • Flooring: Other
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Attic: Pull Down Stairs

Heating & Cooling

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

Interior Area

  • Total structure area: 2,360
  • Total interior livable area: 2,360 sqft

Property

Details

  • Parcel number: 08011082200018
  • Zoning description: Residential, Single Family
  • Exclusions: Personal items and furniture

Features

  • Stories: 1
  • Exterior features: Balcony,Lighting
  • Has view: Yes
  • View description: Bay
  • Has water view: Yes
  • Water view: Bay

Lot

  • Lot size: 7,840 sqft
  • Features: Other,Oversized
  • Lot size dimensions: 80 x 100

Parking

  • Total spaces: 2
  • Parking features: Paver Block,Covered,Driveway,Oversized
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Strong Wind
Inland Flooding
Winter Weather
Tsunami

FEMA Declared Disasters Across New Jersey Counties

Fire

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 $5,031$60,372
Home Insurance *$419$5,028
Property Taxes $1,325$15,900
Electricity $260$3,121
Total$7,035$84,420
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$241,200/yr
40% on housing$211,050/yr
45% on housing$187,600/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: 7.2%
7.2%
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

$422This listing

vs Other Active Listings

Avg $/sqft

ZIP 08753$321
Ocean County$354

vs Homes Sold Last Month

Median $/sqft

ZIP 08753$312
Ocean County$302

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
2026-08-05Price change$975,000
2026-07-02Listed for sale$995,000
2017-05-31Sold$75,000
2015-07-10Sold$75,000

For Sale by Agent

AgentValerie Campbell
BrokerageChilders Sotheby's Intl Realty

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