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285 3rd St, Jersey City, NJ, 07302

4beds
3baths
--sqft
$939,900
--price/sqft
$6,770/moest. monthly cost
$270,800/yrincome needed

About This Home

Charming single-family home located in the highly sought-after Harsimus Cove neighborhood of Downtown Jersey City. This lovely 2.5-story residence features 3 bedrooms and 3 full baths, blending character with urban convenience. The main level features an inviting open-concept layout with warm tongue-and-groove pine walls and ceilings that create a distinctive and welcoming atmosphere throughout the living and dining areas. The stylish kitchen is outfitted with stainless steel appliances, ample cabinetry, and attractive open shelving with iron pipe brackets, combining industrial flair with everyday functionality. A den or potential bedroom, along with a full bath wrapped in classic subway tile, adds flexibility to the main floor. The second level offers a spacious bedroom, full bath, living area, and a flex room that can easily function as a second bedroom or home office. The ground level, accessible through a separate entrance, expands the home’s versatility with its own fully equipped kitchen, large full bath featuring vintage-inspired fixtures and modern finishes, bedroom, recreation room, and laundry area — ideal for extended living, guest accommodations, or additional flexible space. Situated just minutes from the vibrant Newark Avenue Pedestrian Plaza, PATH trains, restaurants, shopping, and parks, this unique property offers a rare opportunity to own a single-family home in Downtown Jersey City. Comfortable and functional in its current configuration, the home also presents exciting possibilities for customization and updates tailored to a buyer’s vision and lifestyle.

Getting Around

99
WalkingWalker's Paradise
81
TransitExcellent Transit
79
BikeVery Bikeable

Schools

7/10
Dr. Michael Conti SchoolGrades PK-80.3 mi
2/10

Construction

Materials

  • Construction materials: Aluminum Siding,Brick,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Refrigerator,Washer/Dryer,Gas Oven

Basement

  • Has basement: Yes
  • Basement: Finished,Full,Walk-Out Access

Bedrooms & Bathrooms

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

Heating & Cooling

  • Heating features: Baseboard,Natural Gas,Hot Water
  • Cooling features: Gas

Property

Details

  • Parcel number: 0611108000000007

Lot

  • Lot size: 754 sqft
  • Lot size dimensions: 14.50 x 52

Parking

  • Parking features: None

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
  • Inland Flooding
    Inland FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Inland Flooding
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 $4,752$57,024
Home Insurance *$224$2,688
Property Taxes $1,601$19,212
Electricity $193$2,318
Total$6,770$81,240
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$232,114/yr
40% on housing$203,100/yr
45% on housing$180,533/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: 9.6%
9.6%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.5%
-1.5%
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 07302$657
Hudson County$473

vs Homes Sold Last Month

Median $/sqft

ZIP 07302$694
Hudson County$411

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
2026-05-08Listed for sale$939,900
2025-06-18Listing removed$939,900
2025-03-22Listed for sale$939,900
2016-09-09Sold$899,000
2000-01-31Sold$150,000

For Sale by Agent

AgentDAVID DEPIERRO
BrokeragePROMINENT PROPERTIES SOTHEBY'S INTERNATIONAL REALTY

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