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66 Garden Ave, Belleville, NJ, 07109

3beds
2baths
--sqft
$575,000
--price/sqft
$4,278/moest. monthly cost
$171,120/yrincome needed

About This Home

Getting Around

52
WalkingSomewhat Walkable
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

3/10
Belleville PS8Grades PK-60.4 mi
2/10
Belleville Middle SchoolGrades 7-80.7 mi
2/10
Belleville Sr High SchoolGrades 9-120.7 mi

Construction

Materials

  • Construction materials: Aluminum Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace features: 1 Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Baseboard,Natural Gas
  • Cooling features: Window Unit(s)

Property

Details

  • Parcel number: 0105301000000030

Features

  • Pool features: None
  • Has view: Yes
  • View description: None
  • Waterfront features: None

Lot

  • Features: Corner Lot

Parking

  • Total spaces: 2
  • 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 WaveRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Heat Wave
Cold Wave
Inland Flooding
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 $2,907$34,884
Home Insurance *$172$2,064
Property Taxes $1,006$12,072
Electricity $193$2,318
Total$4,278$51,336
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$146,674/yr
40% on housing$128,340/yr
45% on housing$114,080/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

--This 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
2026-01-22Listed for sale$575,000
2024-12-18Sold$460,000
2024-11-07Pending sale$474,900
2024-10-24Price change$474,900
2024-10-09Price change$499,900
2024-09-27Price change$524,900
2024-08-01Pending sale$489,900
2024-07-16Price change$489,900
2024-06-25Price change$499,900
2024-06-18Listed for sale$524,900
2019-03-28Sold$260,000
2019-01-05Price change$269,000
2018-09-24Listed for sale$295,000
1998-04-21Sold$98,000

For Sale by Agent

AgentRosa Ayala
BrokerageRealty of America LLC

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