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551 James Street, Freehold, NJ, 07728

3beds
2baths
1,450sqft
$199,000
$137price/sqft
$1,515/moest. monthly cost
$60,600/yrincome needed

About This Home

Affordable Adult Community Living Centrally Located Right In The Heart of Freehold, NJ! 3 Bedrooms, 2 Full Bathrooms, With Bonus Room/Sunroom, Skylights, Formal Dining, Shed AND Carport! Corner Lot! Live Stress Free Knowing The Lawn is Cut And The Snow is Removed! Also Included: Pool, Clubhouse, Community Room, Exercise Room, Taxes, Sewer, Water And Trash! It Gets Better... Rt 9 Is Just Minutes Away For All Of Your Shopping And Dining Needs! Book Your Private Showing Today!

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

Construction

Materials

  • Construction materials: Aluminum Siding

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Mobile,Ranch
  • Property subType: Adult Community,Mobile Home

Interior

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Laminate

Heating & Cooling

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

Interior Area

  • Total structure area: 1,450
  • Total interior livable area: 1,450 sqft

Property

Details

  • Parcel number: 000
  • Exclusions: Furniture negotiable

Features

  • Stories: 1
  • Pool features: Community,In Ground
  • Exterior features: Storage

Lot

  • Features: Corner Lot

Parking

  • Total spaces: 2
  • Parking features: Carport,Double Wide Drive,Driveway
  • Has uncovered spaces: Yes
  • Carport: 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

  • Strong Wind
    Strong WindVery High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Ice Storm
    Ice StormModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Heat Wave
Inland Flooding
Lightning
Winter Weather
Cold Wave
Hurricane
Ice Storm
Wildfire
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 $1,006$12,072
Home Insurance *$63$756
Property Taxes $253$3,036
Electricity $193$2,318
Total$1,515$18,180
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$51,942/yr
40% on housing$45,450/yr
45% on housing$40,400/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: 9.2%
9.2%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$137This listing

vs Other Active Listings

Avg $/sqft

ZIP 07728$273
Monmouth County$425

vs Homes Sold Last Month

Median $/sqft

ZIP 07728$329
Monmouth County$384

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
2026-07-15Price change$199,000
2026-06-14Price change$214,000
2026-05-01Listed for sale$224,900

For Sale by Agent

AgentCarla Colucci
BrokerageRE/MAX Revolution

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