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61 Spring St, Lodi, NJ, 07644

4beds
3baths
--sqft
$649,000
--price/sqft
$4,661/moest. monthly cost
$186,440/yrincome needed

About This Home

Renovated 2 family house located in a great area of Lodi Nj. First floor features 2 BR one bath, living room, eat in the kitchen. Second floor 2 br one bath, living room, Eat in the kitchen. new kitchen appliances. Full finished basement. 1 extra room, family room full bath. Close to Columbus elementary school, Thomas Jefferson Middle school. Close to major highways, RT 46, 17, 80. close to Ny Bus Transportation, parks, shoppings. Its a Street Parking.

Getting Around

85
WalkingVery Walkable
42
TransitSome Transit
41
BikeSomewhat Bikeable

Schools

6/10
Wilson Elementary SchoolGrades PK-50.2 mi
7/10
4/10
Lodi High SchoolGrades 9-120.9 mi

Construction

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Laundry features: In Basement

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Property

Details

  • Parcel number: 3100093000000018

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Heat Wave
Lightning
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 $3,281$39,372
Home Insurance *$165$1,980
Property Taxes $1,022$12,264
Electricity $193$2,318
Total$4,661$55,932
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$159,805/yr
40% on housing$139,830/yr
45% on housing$124,293/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 07644$321
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
2026-04-17Listed for sale$679,000
2026-03-23Pending sale$679,000
2026-01-16Listed for sale$679,000
2023-10-25Sold$515,000
2022-09-08Sold$325,000
2015-03-03Listing removed$1,200
2015-02-20Price change$1,200
2015-01-09Listed for rent$1,600

For Sale by Agent

AgentNikoleta Krushova
BrokerageZeal, Realtors

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