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15 Ford St, Lodi, NJ, 07644

2beds
2baths
--sqft
$589,900
--price/sqft
$4,254/moest. monthly cost
$170,160/yrincome needed

About This Home

Welcome to this meticulously maintained 2-bedroom ranch offering comfortable one-floor living with exceptional additional space below. Thoughtfully cared for throughout the years, this home combines functionality, flexibility, and convenience. The main level features a bright and inviting living room, formal dining room, an eat-in kitchen, two spacious bedrooms, and a full bathroom. A large sliding glass door fills the home with natural light and leads to a covered patio, creating the perfect setting for outdoor dining, entertaining, or simply enjoying your backyard. The fully finished basement significantly expands the living space and offers endless possibilities. Complete with a fully equipped summer kitchen, full bathroom, and a large open-concept area, it's ideal for a family room, recreation space, home gym, media room, or entertaining. A separate office/project room combined with the laundry area provides additional flexibility for today's lifestyle. Outside, you'll appreciate the professionally landscaped grounds, front and rear sprinkler system, detached garage, and a driveway accommodating up to three vehicles. A mobile gas-powered generator that connects directly to the home's electrical panel provides added peace of mind during power outages. Conveniently located near shopping, restaurants, schools, public transportation, and major highways; Routes 17, 46, and the GS Parkway, this home offers the perfect balance of comfort, versatility, and accessibility.

Getting Around

71
WalkingVery Walkable
52
TransitGood Transit
50
BikeBikeable

Schools

7/10
Wilson Elementary SchoolGrades PK-50.5 mi
7/10
4/10
Lodi High SchoolGrades 9-121.2 mi

Construction

Materials

  • Construction materials: Aluminum Siding,Brick Veneer,Cedar

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Finished,Full,Walk-Out Access

Bedrooms & Bathrooms

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

Features

  • Flooring: Hardwood

Heating & Cooling

  • Heating features: Baseboard,Natural Gas,Radiators
  • Cooling features: Attic Fan,Central Air,Ductless

Property

Details

  • Parcel number: 3100260000000064

Features

  • Pool features: None
  • Patio & porch: Deck / Patio
  • Has view: Yes
  • View description: East,Sunrise
  • Waterfront features: None

Lot

  • Features: Regular

Parking

  • Total spaces: 4
  • Parking features: Garage
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
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 $2,982$35,784
Home Insurance *$150$1,800
Property Taxes $929$11,148
Electricity $193$2,318
Total$4,254$51,048
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$145,851/yr
40% on housing$127,620/yr
45% on housing$113,440/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$322
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)

No zestimate history available

Price History

DateEventPrice
2026-08-13Pending sale$589,900
2026-07-22Listed for sale$589,900
2020-09-30Sold$370,000
2020-07-20Sold$370,000
2020-06-03Listed for sale$369,999
1994-08-05Sold$170,000

For Sale by Agent

AgentAgata Kowalczyk
BrokerageRE/MAX 100

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