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173 Hartmann Ave, Garfield, NJ, 07026

3beds
2baths
--sqft
$550,000
--price/sqft
$3,997/moest. monthly cost
$159,880/yrincome needed

About This Home

Welcome to this well-maintained two-family home offering space, versatility, and excellent investment potential. The first-floor unit features a spacious living room, formal dining room, kitchen, full bathroom, and two generously sized bedrooms. The second-floor unit includes a comfortable living room, dining room, kitchen with a pantry, full bathroom, and a large bedroom. The full attic provides abundant storage space, while the full basement offers endless possibilities for a recreation room, home gym, or home office, with direct access to the expansive side yard perfect for entertaining or everyday living. Additional highlights include two separate driveways, one on each side of the home, providing ample off-street parking (2 car parking spaces each). Conveniently located just minutes from the train station to NYC, this property is ideal for owner-occupants, and investors alike. Don't miss this exceptional opportunity!

Getting Around

81
WalkingVery Walkable
49
TransitSome Transit
51
BikeBikeable

Schools

--
5/10
Garfield Middle SchoolGrades 6-80.9 mi
3/10
Garfield High SchoolGrades 9-120.6 mi

Construction

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Laundry features: In Basement

Bedrooms & Bathrooms

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

Property

Details

  • Parcel number: 2100145000000066

Parking

  • Total spaces: 4

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 $2,781$33,372
Home Insurance *$157$1,884
Property Taxes $866$10,392
Electricity $193$2,318
Total$3,997$47,964
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$137,040/yr
40% on housing$119,910/yr
45% on housing$106,586/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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 07026$368
Bergen County$633

vs Homes Sold Last Month

Median $/sqft

ZIP 07026$417
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
2026-07-31Listed for sale$550,000

For Sale by Agent

AgentHalina Strzepek
BrokerageLPT Realty

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