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249 Mercer St, Trenton, NJ, 08611

2beds
2baths
1,012sqft
$279,900
$277price/sqft
$2,345/moest. monthly cost
$93,800/yrincome needed

About This Home

Sellers are motivated and have authorized a price reduction and are now offering a $5,000 seller assist at closing for a full price sale. A charming brick townhouse in the Mill Hill section of Trenton. The brick sidewalks, vintage street lights and the surrounding historic homes provide a special ambiance to this location. A rear alley with a covered parking garage and an electric garage door opener add to the convenience of the rear entry. A brick paver patio leads from the garage to the rear entrance. The well lighted patio includes raised plant beds waiting for plantings of your choice to add a special area for relaxing, dining or entertaining. This home has been freshly painted in neutral colors and is completely and tastefully upgraded throughout. It features an open concept floorplan with abundant natural light in all rooms. Adjoining the living and dining rooms is the conveniently located upgraded kitchen. Ample cabinet space is complimented by granite countertops with tile backsplash, a stainless appliance package and a cozy breakfast bar overlooking the rear patio. To complete the first floor there is a half bath with designer finishes. The second floor includes two bedrooms and a large second floor laundry that has the potential for multiple uses due to the size of the room. Your creativity may see this room repurposed. Perhaps a sitting/reading room, a cozy office, or enjoy it as is with plenty of room for laundry chores. Rounding out the second floor is a full bath with dual sink vanity, toilet and tub. Once again high end designer fixtures and finishes make this bath special. Complimenting the historic nature of the neighborhood, the location is ideal for rail commuters via the Trenton Transit Center, or easy access to the courthouse, State agencies, the Capital Complex, and major highways..

Getting Around

83
WalkingVery Walkable
60
TransitGood Transit
49
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1900

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Bedrooms & Bathrooms

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

Property

Lot

  • Lot size: 1,307 sqft

Parking

  • Total spaces: 1
  • Parking features: Garage Faces Rear,Alley Access,Detached,On Street
  • 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 FloodingVery High
  • Strong Wind
    Strong WindVery High
  • Hurricane
    HurricaneRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Hurricane
Ice Storm
Winter Weather
Cold Wave
Earthquake
Heat Wave
Lightning
Tornado

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 $1,415$16,980
Home Insurance *$236$2,832
Property Taxes $501$6,012
Electricity $193$2,318
Total$2,345$28,140
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$80,400/yr
40% on housing$70,350/yr
45% on housing$62,533/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: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.8%
-1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$277This listing

vs Other Active Listings

Avg $/sqft

ZIP 08611$145
Mercer County$276

vs Homes Sold Last Month

Median $/sqft

ZIP 08611$126
Mercer County$281

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

No price history available

For Sale by Agent

AgentFrank Lawton
BrokerageCB Schiavone & Associates

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