54 Bergen St, Garfield, NJ, 07026
About This Home
Charming 2-bedroom, 1-bath ranch nestled on a quiet street in a prime Garfield location. The home features spacious rooms and hardwood floors, offering comfort and character. Enjoy easy access to public transportation, major highways, shopping, dining, and everyday conveniences—perfect for comfortable living with unbeatable accessibility.
Getting Around
Very Walkable
Some Transit
BikeableSchools
Construction
Materials
- Construction materials: Stucco,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Basement
- Has basement: Yes
- Basement: Partially Finished
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Features
- One Floor Living
- Fireplace features: None
Heating & Cooling
- Heating features: Baseboard,Natural Gas,Radiators
- Cooling features: Wall Unit(s)
Property
Details
- Parcel number: 210017200000000101
Features
- Stories: 1
- Pool features: None
- Has view: Yes
- View description: None
- Waterfront features: None
Lot
- Features: Regular
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
- Lightning
- 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 | $2,017 | $24,204 |
| Home Insurance * | $114 | $1,368 |
| Property Taxes | $628 | $7,536 |
| Electricity | $193 | $2,318 |
| Total | $2,952 | $35,424 |
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 |
|---|---|---|
| 2026-01-29 | Listed for sale | $399,000 |
View on Zillow