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109 Wilbur Rd, Bergenfield, NJ, 07621

6beds
5baths
4,000sqft
$1,750,000
$438price/sqft
$12,453/moest. monthly cost
$498,120/yrincome needed

About This Home

Modern Luxury & Smart Living in a Custom 2022 Build Welcome to this impeccably maintained, lightly lived-in 6-bedroom, 4.5-bathroom masterpiece. Built in 2022, this home combines sophisticated design with functional "smart" upgrades for the modern family. The Main Level: Experience an open-concept layout featuring a formal living room anchored by an automatic gas fireplace. The chef’s kitchen is a standout with stainless steel appliances, dual sinks, and dual dishwashers—perfect for hosting. A separate dining room features a butler’s pantry with an additional sink for seamless entertaining. Second Floor Sanctuary: The expansive master suite is a true retreat, offering high-end ensuite finishes, two walk-in closets, and dedicated climate controls. Four additional spacious bedrooms, two full baths, and a convenient laundry room complete this level. Finished Basement & Extras: The beautifully finished lower level is designed for utility and play, featuring a gym, oversized guest suite with a full bath, and a dedicated "Costco closet" alongside ample storage. Smart Home & Security: Safety: Full professional security system, Ring doorbell, and comprehensive front/rear video surveillance. Convenience: 4-zone HVAC system, automatic sprinkler system, and a smart garage with an integrated camera. Parking: 1-car garage plus a driveway accommodating 2 additional vehicles.

Getting Around

53
WalkingSomewhat Walkable
43
TransitSome Transit
43
BikeSomewhat Bikeable

Schools

8/10
Lincoln Elementary SchoolGrades PK-50.4 mi
6/10
8/10
Bergenfield High SchoolGrades 9-121.0 mi

Construction

Condition

  • Year built: 2022

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Freezer,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Features

  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced air,Gas
  • Cooling features: Central

Interior Area

  • Total interior livable area: 4,000 sqft

Property

Details

  • Parcel number: 0300337000000003

Features

  • Exterior features: Stone,Vinyl

Lot

  • Lot size: 4,900 sqft

Parking

  • Total spaces: 3
  • Parking features: Garage - Attached

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
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
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 $8,848$106,176
Home Insurance *$409$4,908
Property Taxes $2,756$33,072
Electricity $440$5,291
Total$12,453$149,436
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$426,960/yr
40% on housing$373,590/yr
45% on housing$332,080/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

$438This listing

vs Other Active Listings

Avg $/sqft

ZIP 07621$449
Bergen County$633

vs Homes Sold Last Month

Median $/sqft

ZIP 07621$454
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
2026-08-13Price change$1,675,000
2026-05-13Listed for sale$1,750,000
2022-03-25Sold$1,100,000
2022-02-11Contingent$1,289,000
2021-10-01Listed for sale$1,289,000
2021-03-02Sold$320,000
2020-04-03Pending sale$420,000
2020-04-03Listed for sale$420,000
2020-02-20Listing removed$420,000
2020-01-22Listed for sale$420,000

For Sale by Owner

AgentProperty Owner

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