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2557 Whitehorse Mercerville Rd, Trenton, NJ, 08619

4beds
2baths
1,520sqft
$399,000
$263price/sqft
$3,046/moest. monthly cost
$121,840/yrincome needed

About This Home

This spacious center-hall colonial offers great value and plenty of room to grow located in the heart of Mercerville! The main level features a large living room, a formal dining room with built-in shelving, and a generous kitchen with space for a small table. A mudroom off the driveway includes a coat closet and half bath, and leads out to a deck overlooking the backyard. Upstairs are four well-sized bedrooms and a full updated bathroom. The home also has a large unfinished basement with utilities and laundry, plus a walk-up attic with a finished floor for extra storage. Central air and heat ensure the home stays comfortable in every season, and a long driveway provides parking for multiple vehicles.

Getting Around

73
WalkingVery Walkable
35
TransitSome Transit
49
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1920

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Aluminum Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cape Cod
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Water Heater
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedroom1

  • Level: Upper
  • Area: 121
  • Dimensions: 11 X 11

Bedroom2

  • Level: Upper
  • Area: 143
  • Dimensions: 13 X 11

Bedroom3

  • Level: Upper
  • Area: 99
  • Dimensions: 9 X 11

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Family Room

  • Level: Main
  • Area: 180
  • Dimensions: 15 X 12

Features

  • Eat-in Kitchen
  • Finished area above ground: 1,520

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Wall Unit(s),Natural Gas

Interior Area

  • Total structure area: 1,520
  • Total interior livable area: 1,520 sqft

Kitchen

  • Features: Kitchen - Gas Cooking
  • Level: Main
  • Area: 130
  • Dimensions: 13 X 10

Living Room

  • Level: Main
  • Area: 165
  • Dimensions: 15 X 11

Other

  • Level: Main
  • Area: 64
  • Dimensions: 8 X 8

Primary Bedroom

  • Level: Upper
  • Area: 150
  • Dimensions: 15 X 10

Primary Bedroom

  • Level: Unspecified

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 030180500030
  • Zoning: RESD
  • Special condition: Real Estate Owned

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 7,500 sqft

Parking

  • Parking features: None

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 WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Cold Wave
Hurricane
Heat Wave
Inland Flooding
Ice Storm
Lightning

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 $2,017$24,204
Home Insurance *$122$1,464
Property Taxes $714$8,568
Electricity $193$2,318
Total$3,046$36,552
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$104,434/yr
40% on housing$91,380/yr
45% on housing$81,226/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: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.8%
-1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$263This listing

vs Other Active Listings

Avg $/sqft

ZIP 08619$249
Mercer County$276

vs Homes Sold Last Month

Median $/sqft

ZIP 08619$299
Mercer County$281

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
2022-04-22Listing removed--
2022-03-15Listed for rent$2,200
2017-06-11Listing removed$74,999
2017-05-21Listed for sale$74,999
2015-09-23Listing removed$1,450
2015-09-03Listed for rent$1,450

Unknown Listed By

AgentShana Cohen
BrokerageKeller Williams Town Life Realty

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