




245 Union St, Lodi, NJ, 07644
About This Home
Rare mixed-use two-unit property in Lodi, grandfathered for professional/commercial use on the ground floor, making it ideal for an accountant, attorney, or similar office use. This versatile property sits on a Res/Com zoned lot and provides flexibility for both investors and owner-users. The first-floor unit flows naturally from a spacious room that was originally the living room into what was formerly the dining room (with a half bath), creating an open, welcoming reception area. Beyond that lies the kitchen, which connects to a side room that was once a bedroom (with a half bath), as well as an exceptionally large additional room perfect for private offices, conference space, or storage. The layout offers the charm of a converted residential home while functioning efficiently as a professional office space. The second floor features a comfortable one-bedroom apartment with laundry, offering steady rental income potential or space for an owner-occupant, adding to the property's income-producing appeal. Parking for 3 cars available. Note that per current grandfathered zoning, the commercial use of the first-floor unit is protected only as long as it remains in professional/commercial use; converting the property to strictly residential use would permanently forfeit the right to use it commercially again in the future.
Getting Around
Schools
Construction
Condition
- Year built: 1920
Materials
- Roof: Asphalt Shingle
- Construction materials: Aluminum Siding
Type & Style
- Home type: MultiFamily
- Property subType: Multi Family
Interior
Appliances
- Appliances included: Range/Oven - Gas,Refrigerator
Basement
- Has basement: Yes
- Basement: Yes,Unfinished
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 1.2
- Full bathrooms: 1
- 1/2 bathrooms: 2
Features
- Bedrooms,Dining Room,Kitchen,Living Room
Heating & Cooling
- Heating features: 1 Unit,Natural Gas
- Cooling features: Wall Unit(s),Window Unit(s)
Interior Area
- Total structure area: 19,998
- Total interior livable area: 19,998 sqft
Property
Details
- Parcel number: 1131001250002000030000
Lot
- Lot size: 3,484 sqft
- Lot size dimensions: 33 x 98
Parking
- Total spaces: 3
- Parking features: Driveway-Exclusive
- Uncovered spaces: 3
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
- Strong Wind
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters Across New Jersey Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,160 | $37,920 |
| Home Insurance * | $159 | $1,908 |
| Property Taxes | $984 | $11,808 |
| Electricity | $2,204 | $26,453 |
| Total | $6,507 | $78,084 |
Income You'd Need if You Spent...
New Jersey FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-03 | Price change | $625,000 |
| 2026-07-20 | Listed for sale | $650,000 |
| 2025-10-02 | Listing removed | $700,000 |
| 2025-04-01 | Listed for sale | $700,000 |
| 2017-10-15 | Listing removed | $299,900 |
| 2017-07-24 | Listed for sale | $299,900 |
