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37 Spruce St #5, Jersey City, NJ, 07306

3beds
2baths
1,180sqft
$639,000
$542price/sqft
$4,842/moest. monthly cost
$193,680/yrincome needed

About This Home

5-year Builder's Warranty | 3 Bed | 2 Bath | Deeded Garage + Driveway | Covered Private balcony | Top Floor This sun-drenched top-floor residence delivers the expansive space, soaring light, and premium parking that city buyers dream about but rarely find in one package. Pets are welcome, making this the perfect long-term sanctuary for your entire family. THE RESIDENCE | Covered by a 10-year Builder's Warranty with approximately 5 years remaining. From the moment you step inside, you're greeted by a bright, open layout filled with natural light. The oversized living room flows seamlessly into the kitchen, anchored by crown jewel soaring 12-foot ceilings and four skylights that create a dramatic, airy atmosphere. Oversized Pella windows frame stunning Meadowlands sunsets, which you can enjoy from the peace of your private covered balcony. The kitchen is both timeless and functional, pairing crisp quartz countertops and stainless steel appliances with classic subway tile. Whether you're hosting a dinner party or enjoying a quiet morning, the open living and dining area flexes effortlessly to suit your lifestyle. A HOME TO GROW INTO | All three bedrooms are generously proportioned and equipped with custom closet systems, but it is the versatile layout that truly shines for a growing family: The Primary Suite: A true retreat featuring double closets and a spa-inspired en-suite bath. The 2ND Bedroom: Perfectly sized to create a dream 5 or 6-year-old’s room, with plenty of space for a full bed, desk, and play area. The 3RD Bedroom: An ideal, sun-lit nursery or baby room, situated to provide a quiet and cozy environment for the littlest member of the family. An oversized hall walk-in storage/coat closet solves the perennial city-living storage challenge, keeping your living space organized and serene. THE PARKING ADVANTAGE | Forget the daily parking hunt. This home includes a deeded private garage plus an additional driveway space—a combination that is genuinely rare in the Heights and adds incredible value and convenience to your daily routine. PREMIER LOCATION | Tucked away on a quiet, one-way street, this home offers plenty of options for a breezy commute to NYC, including the PATH and bus (with a stop at Spruce & JFK). Enjoy easy access to Journal Square, putting Manhattan less than 20 minutes away. With parks, top-rated schools, and vibrant neighborhood dining just steps from your front door, this is the urban oasis you’ve been waiting for. Offered at Under $700K. Schedule your private tour today to experience this unique Heights gem.

Getting Around

86
WalkingVery Walkable
73
TransitExcellent Transit
46
BikeSomewhat Bikeable

Schools

Construction

Materials

  • Construction materials: Brick

Type & Style

  • Home type: Condo
  • Architectural style: Contemporary,Multi Level
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Refrigerator,Washer/Dryer,Gas Oven

Bedrooms & Bathrooms

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

Features

  • Terrace
  • Flooring: Hardwood

Heating & Cooling

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

Interior Area

  • Total structure area: 1,180
  • Total interior livable area: 1,180 sqft

Property

Details

  • Parcel number: 0605404000000008C0005
  • Other equipment: Intercom

Parking

  • Parking features: 2 Cars,Garage
  • Has garage: 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

  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Inland Flooding
Cold Wave
Strong Wind
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 $3,231$38,772
Home Insurance *$229$2,748
Property Taxes $1,189$14,268
Electricity $193$2,318
Total$4,842$58,104
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$166,011/yr
40% on housing$145,260/yr
45% on housing$129,120/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: 9.6%
9.6%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.5%
-1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$542This listing

vs Other Active Listings

Avg $/sqft

ZIP 07306$414
Hudson County$473

vs Homes Sold Last Month

Median $/sqft

ZIP 07306$505
Hudson County$411

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
2026-04-17Price change$649,000
2026-03-13Price change$675,000
2026-02-18Price change$689,000
2026-02-04Listed for sale$724,000
2026-01-13Listing removed$3,650
2025-11-13Price change$3,650
2025-09-25Price change$3,750
2025-09-24Listed for rent$3,950
2025-09-23Listing removed$3,950
2025-09-16Listed for rent$3,950
2025-09-16Listing removed$3,950
2025-07-24Listed for rent$3,950
2020-09-10Sold$550,000
2020-06-24Pending sale$560,000
2020-03-05Price change$560,000
2020-01-09Listed for sale$595,000

For Sale by Agent

AgentLAURENCE WEISS
BrokerageEXP REALTY LLC

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