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92 Union Ave, Belleville, NJ, 07109

4beds
3baths
1,998sqft
$649,000
$325price/sqft
$4,830/moest. monthly cost
$193,200/yrincome needed

About This Home

Rare Find! Captivating 2-Family home with pristine modern updates & expansive backyard oasis. Presenting an exceptional, turn-key investment or live-income opportunity rarely available on the market! This beautifully updated 2-family residence perfectly balances classic architectural charm with sleek, high-end contemporary finishes. Every inch of this property has been thoughtfully designed to maximize space, light, and comfort. Bright, airy rooms featuring freshly painted modern grey walls, crisp white trim, and stunning dark hardwood flooring throughout. Gorgeous culinary spaces equipped with premium countertops, minimalist white cabinetry, sleek stainless-steel accents, and bright, oversized windows overlooking the grounds. True spa-like retreats boasting pristine white tiling, contemporary vanities, and premium fixtures. Bonus Finished lower level with massive, fully finished walk-out basement offering immense versatility for a home gym, recreation hub, or expansive storage. Step outside to an incredibly rare, fully fenced, sprawling green backyard. Perfect for entertaining, it features a manicured lawn, a raised deck, and a dedicated patio area ready for summer gatherings. Striking curb appeal with a well-maintained facade and a deep, private driveway providing ample off-street parking. This rare gem has everything you need. Schedule your private tour before it's gone!

Getting Around

78
WalkingVery Walkable
0
TransitVery Limited Transit
53
BikeBikeable

Schools

3/10
Belleville PS8Grades PK-60.2 mi
3/10
Belleville Middle SchoolGrades 7-80.5 mi
2/10
Belleville Sr High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 1920

Materials

  • Roof: Asphalt Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Dishwasher,Range/Oven - Gas,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Yes,Finished

Bedrooms & Bathrooms

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

Features

  • Bedrooms,Kitchen,Living/Dining Room,Attic

Heating & Cooling

  • Heating features: Radiators - Hot Water,Natural Gas
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,998
  • Total interior livable area: 1,998 sqft

Property

Details

  • Parcel number: 1601067040000000020000

Features

  • Levels: 3-Three Story
  • Stories: 3
  • Patio & porch: Deck,Patio

Lot

  • Lot size: 6,969 sqft
  • Lot size dimensions: 68 x 100

Parking

  • Total spaces: 4
  • Parking features: 1 Car Width,Driveway-Exclusive,Detached Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Uncovered spaces: 4

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
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Heat Wave
Strong Wind
Winter Weather

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 *$194$2,328
Property Taxes $1,135$13,620
Electricity $220$2,642
Total$4,830$57,960
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$165,600/yr
40% on housing$144,900/yr
45% on housing$128,800/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: 7.4%
7.4%
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

$325This listing

vs Other Active Listings

Avg $/sqft

ZIP 07109$308
Essex County$382

vs Homes Sold Last Month

Median $/sqft

ZIP 07109$378
Essex County$391

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
2026-07-28Listed for sale$649,000
2019-09-11Listing removed$210,908
2019-09-10Price change$210,908
2019-09-07Price change$210,803
2019-08-31Price change$211,744
2019-08-30Price change$211,709
2019-08-29Price change$211,762
2019-08-27Price change$212,030
2019-08-25Price change$211,978
2019-08-22Price change$211,550
2019-08-21Price change$211,645
2019-08-19Price change$234,693
2019-08-16Listed for sale--
2019-06-27Sold$285,000
2019-04-26Listed for sale$299,900
2018-11-07Listing removed$299,900
2018-10-12Listed for sale$299,900
2018-09-05Pending sale$299,900
2018-08-07Price change$299,900
2018-07-11Price change$314,900
2018-06-11Price change$324,900
2018-05-11Listed for sale$339,000
2006-01-25Sold$355,000

For Sale by Agent

AgentJonathan Velasquez Ramirez
BrokerageKeller Williams Park Views

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