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21 Monroe #B-11, Margate City, NJ, 08402

1beds
1baths
606sqft
$439,800
$726price/sqft
$3,190/moest. monthly cost
$127,600/yrincome needed

About This Home

A real peach just one block from the beach! A true one-bedroom condo—not a motel conversion—with its own dedicated parking space in the heart of Margate. Leave the car behind and enjoy a short stroll to the beach, restaurants, shopping, and more. This second-floor unit features a balcony, a kitchen with granite countertops, a built-in microwave, electric cooking, upgraded lifetime luxury vinyl flooring, recessed lighting in the living room, and ceiling fans with lights in both the living room and bedroom. The bathroom includes a newer vanity and toilet and a brand-new hot water heater adds peace of mind. The spacious bedroom has two closets, while the in-unit washer and dryer provide everyday convenience. Owners can have an up to 25 lb dog. Being sold fully furnished, this move-in-ready condo is perfect as a shore retreat or year-round residence.

Getting Around

50
WalkingCar-Dependent
0
TransitVery Limited Transit
51
BikeBikeable

Schools

Construction

Materials

  • Construction materials: Brick

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dryer,Electric Stove,Microwave,Refrigerator,Washer

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Pets Allowed

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 606
  • Total interior livable area: 606 sqft

Property

Details

  • Parcel number: 201.B11

Features

  • Levels: One
  • Stories: 2

Parking

  • Total spaces: 1
  • Parking features: Assigned,None

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 FloodingVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hurricane
    HurricaneModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Inland Flooding
Strong Wind
Hurricane
Winter Weather
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 $2,223$26,676
Home Insurance *$93$1,116
Property Taxes $681$8,172
Electricity $193$2,318
Total$3,190$38,280
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,371/yr
40% on housing$95,700/yr
45% on housing$85,066/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: 7.4%
7.4%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.6%
-2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$726This listing

vs Other Active Listings

Avg $/sqft

ZIP 08402$704
Atlantic County$264

vs Homes Sold Last Month

Median $/sqft

ZIP 08402$782
Atlantic County$228

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)

No zestimate history available

Price History

DateEventPrice
2026-07-30Price change$439,800
2026-07-02Listed for sale$439,900

For Sale by Agent

AgentStephanie Scibal
BrokerageBHHS FOX and ROACH-Haddonfield

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