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81 W Commerce St, Bridgeton, NJ, 08302

5beds
2baths
3,617sqft
$495,000
$137price/sqft
$4,031/moest. monthly cost
$161,240/yrincome needed

About This Home

Offered for the first time in decades, this extraordinary residence at 81 West Commerce Street in Bridgeton presents a rare opportunity to own a significant piece of architectural history. Held by only two families since the 1850s, the property thoughtfully balances preserved historic craftsmanship with meaningful modern enhancements throughout. Situated within Bridgeton’s Historic District and recognized on the Cumberland County Register of Historic Structures and Sites, the home was designed by renowned architect Thomas U. Walter, celebrated for his work on the dome of the United States Capitol and Girard College. Set on approximately 0.85 acres, the five-bedroom, two-full-bath residence spans approximately 3,900 square feet across multiple levels, offering expansive living spaces filled with timeless architectural character. Rich in original craftsmanship, the home showcases soaring 11-foot ceilings, intricate original moldings, railings, flooring, cabinetry, chandeliers, marble fireplaces, a secondary staircase, and preserved call systems once used for the home’s butler and staff quarters—reflecting a remarkable level of historic integrity rarely found today. An updated kitchen appointed with custom cabinetry, a walk-in pantry, and new appliances provides modern everyday convenience. Just off the kitchen, a peaceful side patio offers the perfect setting for a garden or outdoor dining. The residence also features numerous additional improvements, including updated sewer lines, a newer gas hot water heater, two-zone central air conditioning, a newly sealed roof, central vacuum system, whole-house fan, underground dog fence, and two laundry areas—one located off the kitchen and another in the basement. Additional highlights include a fifth bedroom on the third floor along with ample storage space throughout the home. The beautifully landscaped backyard features multiple patio seating areas, creating inviting spaces for entertaining and everyday enjoyment while enhancing the property’s peaceful setting. Ideally positioned near downtown Bridgeton, the property offers convenient access to local shops, dining, and community amenities and a short commute to both Philadelphia and Wilmington, Delaware. A truly exceptional offering for the discerning buyer seeking architectural significance, eternal elegance, and the opportunity to steward an important historic home into its next chapter.

Getting Around

77
WalkingVery Walkable
0
TransitVery Limited Transit
53
BikeBikeable

Schools

2/10
1/10
Bridgeton High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1850

Materials

  • Foundation: Stone
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 3,617

Heating & Cooling

  • Heating features: Baseboard,Natural Gas
  • Cooling features: Central Air,Zoned,Electric

Interior Area

  • Total structure area: 3,617
  • Total interior livable area: 3,617 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 010027500011
  • Zoning: RESIDENTIAL
  • Special condition: Standard
  • Exclusions: Tesla Charger

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None

Lot

  • Lot size: 0.85 Acres
  • Lot size dimensions: 120.00 x 309.00

Parking

  • Total spaces: 9
  • Parking features: Storage,Covered,Garage Faces Rear,Inside Entrance,Oversized,Driveway,Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Uncovered spaces: 8

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
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Cold Wave
Hurricane
Heat Wave
Ice Storm
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 $2,502$30,024
Home Insurance *$298$3,576
Property Taxes $833$9,996
Electricity $398$4,784
Total$4,031$48,372
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$138,205/yr
40% on housing$120,930/yr
45% on housing$107,493/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: 6.6%
6.6%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.9%
-2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$137This listing

vs Other Active Listings

Avg $/sqft

ZIP 08302$160
Cumberland County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 08302$212
Cumberland County$196

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
2026-08-04Price change$480,000
2026-06-08Listed for sale$495,000
1997-03-04Sold$100,000

For Sale by Agent

AgentAllen Kravitz
BrokerageKurfiss Sotheby's International Realty

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