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438-440 Joralemon St, Belleville, NJ, 07109

3beds
2baths
--sqft
$499,000
--price/sqft
$3,738/moest. monthly cost
$149,520/yrincome needed

About This Home

LOOKING FOR YOUR FIRST HOME IS HARD... BUT THIS ONE MAKES IT EASY! Here's your chance to own a home and make it your own. With a little TLC and updating, 438 Joralemon Avenue offers incredible potential for first-time buyers or anyone looking to build equity. Featuring generously sized rooms, a functional layout, a detached garage, and a spacious level backyard perfect for entertaining, gardening, or relaxing, this home is full of possibilities. Conveniently located just a stone's throw from the Nutley border, you'll enjoy easy access to shopping, parks, schools, transportation, and major highways. Bring your ideas, add your personal touch, and transform this house into the home you've always wanted. Opportunity is knocking don't miss it!

Getting Around

58
WalkingSomewhat Walkable
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

5/10
Belleville PS7Grades PK-60.2 mi
3/10
Belleville Middle SchoolGrades 7-80.8 mi
2/10
Belleville Sr High SchoolGrades 9-120.3 mi

Construction

Materials

  • Construction materials: Aluminum Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

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

Heating & Cooling

  • Heating features: Oil,Radiators
  • Cooling features: Window Unit(s)

Property

Details

  • Parcel number: 0104802000000003

Features

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

Lot

  • Features: Regular

Parking

  • Total spaces: 1
  • 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 WaveModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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 $2,523$30,276
Home Insurance *$149$1,788
Property Taxes $873$10,476
Electricity $193$2,318
Total$3,738$44,856
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$128,160/yr
40% on housing$112,140/yr
45% on housing$99,680/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$309
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
2026-07-26Price change$499,000
2026-07-21Price change$519,000
2026-06-26Listed for sale$550,000
2021-04-06Sold$403,000

For Sale by Agent

AgentMatthew DeFede
BrokerageRealty Executives Elite Homes

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