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431 E 7th St, Plainfield, NJ, 07060

4beds
3baths
2,150sqft
$599,000
$279price/sqft
$4,502/moest. monthly cost
$180,080/yrincome needed

About This Home

Spacious and well-maintained 4-bedroom, 3 full-bath home conveniently located near the center of town and just minutes from public transportation. This attractive residence offers generous living space, large windows that provide plenty of natural light, and a functional layout ideal for comfortable everyday living.The home features four sizable bedrooms, three full bathrooms, and ample space for entertaining, working from home, or accommodating guests. Outside, enjoy a well-kept yard with mature landscaping and excellent curb appeal.Ideally situated close to shopping, dining, schools, parks, and major transportation routes, this property combines convenience, comfort, and accessibility in one desirable location. A wonderful opportunity to own a spacious home in a prime location.

Getting Around

76
WalkingVery Walkable
47
TransitSome Transit
54
BikeBikeable

Schools

3/10
Maxson Middle SchoolGrades 6-80.6 mi
1/10
Plainfield High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 2005

Materials

  • Roof: Asphalt

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Gas Range/Oven,Microwave,Refrigerator,Range,Washer,Gas Water Heater

Basement

  • Area: 0

Basement

  • Basement: Crawl Space

Bathroom

  • Features: Tub Shower, Stall Shower

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: Formal Dining Room

Features

  • Firealarm,1 Bedroom,Kitchen,Bath Full,Dining Room,Family Room,3 Bedrooms,Bath Second,Attic
  • Flooring: Carpet,Ceramic Tile,Wood

Heating & Cooling

  • Heating features: Baseboard,Radiant,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,150
  • Total interior livable area: 2,150 sqft

Kitchen

  • Features: Breakfast Bar, Kitchen Island, Eat-in Kitchen

Master Bedroom

  • Features: Two Sinks, Full Bath, Walk-In Closet(s)

Property

Details

  • Parcel number: 12

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Patio
  • Exterior features: Barbecue,Deck,Patio,Yard,Crawl

Lot

  • Lot size: 6,480 sqft
  • Features: Near Shopping,Near Train
  • Lot size dimensions: 129.60 x 50.00

Parking

  • Total spaces: 1
  • Parking features: 1 Car Width,3 Cars Deep,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

  • Inland Flooding
    Inland FloodingVery High
  • Winter Weather
    Winter WeatherRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Lightning
Strong Wind

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 $3,028$36,336
Home Insurance *$224$2,688
Property Taxes $1,013$12,156
Electricity $237$2,844
Total$4,502$54,024
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$154,354/yr
40% on housing$135,060/yr
45% on housing$120,053/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: 8.2%
8.2%
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

$279This listing

vs Other Active Listings

Avg $/sqft

ZIP 07060$319
Union County$380

vs Homes Sold Last Month

Median $/sqft

ZIP 07060$325
Union County$416

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
2026-07-08Price change$599,000
2026-06-05Listed for sale$625,000
2023-07-30Listing removed--
2021-07-29Sold$425,000
2021-06-02Listed for sale$419,000
2021-05-31Listing removed--
2021-05-20Listed for sale$419,000

For Sale by Agent

AgentLAURENCE MCGHEE
BrokerageDENVAL REALTY

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