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132 Charlton Ave, Lodi, NJ, 07644

2beds
2baths
--sqft
$599,777
--price/sqft
$4,321/moest. monthly cost
$172,840/yrincome needed

About This Home

Move In Ready Charming Updated Two-Bedroom Ranch with Finished Basement & Expansion Potential Move right into this beautifully maintained two-bedroom ranch offering modern updates, flexible living space, and room to grow. The inviting main level features a bright and spacious living room enhanced by a new bay window that fills the home with natural light. The updated kitchen boasts granite countertops, stainless steel appliances, and plenty of cabinet space, while the renovated full bathroom, newer windows and doors, and hardwood floors throughout the first floor add style and comfort. The fully finished basement provides exceptional additional living space, complete with a large family room, a private office or guest room, a brand-new full bathroom, plus a utility room and ample storage. A walk-up attic offers outstanding potential for future expansion, making it easy to customize the home to fit your needs. Additional updates include central air conditioning, forced hot air heat, and a newer hot water heater for year-round comfort and efficiency. Outside, enjoy a detached two-car garage, an oversized driveway with parking for up to six vehicles, and a spacious backyard that's perfect for entertaining, gardening, or simply relaxing. Combining tasteful updates, versatile living areas, and exciting expansion possibilities, this move-in ready home is a wonderful opportunity you won't want to miss.

Getting Around

69
WalkingSomewhat Walkable
49
TransitSome Transit
42
BikeSomewhat Bikeable

Schools

7/10
Wilson Elementary SchoolGrades PK-50.5 mi
7/10
4/10
Lodi High SchoolGrades 9-121.1 mi

Construction

Materials

  • Construction materials: Aluminum Siding

Type & Style

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

Interior

Basement

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

Bedrooms & Bathrooms

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

Features

  • One Floor Living
  • Fireplace features: None

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Central Air

Property

Details

  • Parcel number: 3100264000000121

Features

  • Stories: 1
  • Pool features: None
  • Patio & porch: Deck / Patio
  • Has view: Yes
  • View description: North
  • Waterfront features: None

Lot

  • Features: Regular

Parking

  • Total spaces: 8
  • Parking features: Garage
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Cold Wave
Earthquake
Hurricane
Heat Wave
Inland Flooding
Lightning
Strong Wind
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 $3,032$36,384
Home Insurance *$152$1,824
Property Taxes $944$11,328
Electricity $193$2,318
Total$4,321$51,852
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$148,148/yr
40% on housing$129,630/yr
45% on housing$115,226/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)

Price History

DateEventPrice
2026-07-27Listed for sale$599,777
2017-11-16Sold$303,000
2017-09-10Listed for sale$309,900

For Sale by Agent

AgentThomas Corrente
BrokerageTerrie O'Connor Realtors-Hasbrouck Heights

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