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92 Lakeview Ter, Oakland, NJ, 07436

2beds
2baths
--sqft
$549,900
--price/sqft
$4,140/moest. monthly cost
$165,600/yrincome needed

About This Home

Well-Cared For Home With Flexible Living Space In Oakland, NJ! The Main Upper Level Has An Inviting Open-Concept Layout Featuring A Spacious Living Room With A Free-Standing Wood-Burning Stove And A Large Picture Window That Welcomes Abundant Natural Light. The Adjoining Eat-In Kitchen And Dining Area Flow Seamlessly Together, Offering Plenty Of Cabinetry, A Functional Center Island, And Sliding Glass Doors That Open To A Full-Length Rear Deck, Perfect For Outdoor Dining Or Relaxation. This Level Also Includes A Generously Sized Bedroom, A Full Bath With A Tub/Shower and Laundry and Utility Room. The Lower Level Expands The Home's Versatility With Its Own Private Entrance, A Kitchenette With Sink And Refrigerator, A Comfortable Living Space, 2nd Bedroom, A Bonus Room, And A Full Bath With A Stall Shower. This Space Offers Endless Potential, Whether For A Home Office, Recreation, Hobbies, Or Creative Uses. Set On A Peaceful Level Property With Mature Landscaping, Outdoor Seating Areas, And Tranquil Water Views, This Home Blends Convenience With Charm. Ideally Located Just 2 Miles From The Oakland Transit Park & Ride And Within Minutes Of Major Highways Including Route 287, Route 202, And The NY Thruway, This 2-Level Residence Is Perfect For Both Commuters And Those Seeking Flexible Living Options.

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

7/10
8/10
Valley Middle SchoolGrades 6-81.1 mi
8/10
Indian Hills High SchoolGrades 9-121.7 mi

Construction

Condition

  • Year built: 1930

Materials

  • Roof: Asphalt Shingle
  • Construction materials: Cinder Block,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Carbon Monoxide Detector
  • Laundry features: Laundry Room

Basement

  • Basement: None

Bedroom1

  • Level: Second

Bedroom2

  • Level: First

Bedrooms & Bathrooms

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

Dining Room

  • Features: Living/Dining Combo
  • Level: Second

Features

  • Bathroom,Utility Room,In-Law Floorplan
  • Flooring: Carpet,Tile
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Wood Stove-Freestanding
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Space Heater,Natural Gas
  • Cooling features: Ceiling Fan(s)

Kitchen

  • Features: Kitchen Island,Eat-in Kitchen,See Remarks
  • Level: Second

Living Room

  • Level: Second

Property

Details

  • Parcel number: 1142025010000000240000

Features

  • Patio & porch: Deck
  • Has view: Yes
  • View description: Lake/Water View
  • Has water view: Yes
  • Water view: Lake/Water View
  • On waterfront: Yes
  • Waterfront features: Waterfront

Lot

  • Lot size: 7,840 sqft
  • Features: Level
  • Lot size dimensions: 0.182 AC

Parking

  • Total spaces: 3
  • Parking features: Off Street,Attached Garage,Underground
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Uncovered spaces: 3

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 FloodingVery High
  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
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 $2,780$33,360
Home Insurance *$104$1,248
Property Taxes $1,063$12,756
Electricity $193$2,318
Total$4,140$49,680
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$141,942/yr
40% on housing$124,200/yr
45% on housing$110,400/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 07436$377
Bergen County$633

vs Homes Sold Last Month

Median $/sqft

ZIP 07436$363
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
2025-11-13Price change$549,900
2025-09-25Listed for sale$599,900

For Sale by Agent

AgentMark Werner
BrokerageWerner Realty

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