See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

103 Smallwood Ave, Belleville, NJ, 07109

3beds
2baths
1,210sqft
$449,000
$371price/sqft
$3,382/moest. monthly cost
$135,280/yrincome needed

About This Home

Opportunity Knocks! Spacious Colonial offering incredible potential in one of Belleville's desirable residential neighborhoods. Priced to reflect its current condition, this home is ideal for investors, contractors, or owner-occupants looking to renovate and build equity. Features include generously sized living areas, a detached garage, and a private backyard with endless possibilities. Conveniently located near parks, schools, shopping, major highways, and NYC transportation. Being sold strictly AS-IS. Bring your vision and don't miss this exceptional value!

Getting Around

58
WalkingSomewhat Walkable
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

5/10
Belleville PS10Grades PK-60.2 mi
3/10
Belleville Middle SchoolGrades 7-81.2 mi
2/10
Belleville Sr High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 1950

Materials

  • Roof: Asphalt Shingle
  • Construction materials: See Remarks

Notable Dates

  • Major remodel year: 2002

Type & Style

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

Interior

Appliances

  • Appliances included: Carbon Monoxide Detector,Dishwasher,Microwave,Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Yes,Finished,Partially Finished

Bedrooms & Bathrooms

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

Heating & Cooling

  • Heating features: 1 Unit,Radiators - Steam,Natural Gas
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,210
  • Total interior livable area: 1,210 sqft

Kitchen

  • Features: Eat-in Kitchen

Property

Details

  • Parcel number: 1601017020000000110000
  • Exclusions: PERSONAL ITEMS

Lot

  • Lot size: 5,662 sqft
  • Lot size dimensions: 41.2 x 133.1

Parking

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

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

How This Home’s Risks Compare

Inland Flooding
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 $2,270$27,240
Home Insurance *$134$1,608
Property Taxes $785$9,420
Electricity $193$2,318
Total$3,382$40,584
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$115,954/yr
40% on housing$101,460/yr
45% on housing$90,186/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

$371This listing

vs Other Active Listings

Avg $/sqft

ZIP 07109$310
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
2026-08-07Pending sale$449,000
2026-07-26Price change$449,000
2026-07-07Pending sale$489,000
2026-06-15Listed for sale$489,000
2017-12-26Sold$320,000
2007-01-18Sold$345,000
2003-12-30Sold$287,500

For Sale by Agent

AgentSteven Amaya
BrokerageHi-Level Real Estate

Similar Homes