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245 Union St, Lodi, NJ, 07644

3beds
1.2baths
19,998sqft
$625,000
$31price/sqft
$6,507/moest. monthly cost
$260,280/yrincome needed

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

73
WalkingVery Walkable
50
TransitGood Transit
50
BikeBikeable

Schools

7/10
Wilson Elementary SchoolGrades PK-50.4 mi
7/10
4/10
Lodi High SchoolGrades 9-121.1 mi

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
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat 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 $3,160$37,920
Home Insurance *$159$1,908
Property Taxes $984$11,808
Electricity $2,204$26,453
Total$6,507$78,084
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$223,097/yr
40% on housing$195,210/yr
45% on housing$173,520/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: 8.7%
8.7%
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

$31This listing

vs Other Active Listings

Avg $/sqft

ZIP 07644$332
Bergen County$633

vs Homes Sold Last Month

Median $/sqft

ZIP 07644$428
Bergen County$452

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
2026-08-03Price change$625,000
2026-07-20Listed for sale$650,000
2025-10-02Listing removed$700,000
2025-04-01Listed for sale$700,000
2017-10-15Listing removed$299,900
2017-07-24Listed for sale$299,900

For Sale by Agent

AgentGabriel Garces
BrokerageAmericasa Realty Llc

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