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729 Spruce St, Trenton, NJ, 08638

4beds
2baths
1,000sqft
$315,000
$315price/sqft
$2,468/moest. monthly cost
$98,720/yrincome needed

About This Home

Completely renovated 4 bedroom , 2 full baths townhouse , brand new stainless steel appliances , granite countertops , wood floors thru out , laundry room with water and dryer , bedroom have carpets, plenty of closet space , basement with full bath , front and back porches , back yard ,

Getting Around

82
WalkingVery Walkable
34
TransitSome Transit
67
BikeBikeable

Schools

Construction

Condition

  • Property condition: Excellent
  • Year built: 1920

Materials

  • Foundation: Block
  • Construction materials: Brick

Notable Dates

  • Major remodel year: 2022

Type & Style

  • Home type: Townhouse
  • Architectural style: Other
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Microwave,Dishwasher,Stainless Steel Appliance(s),Washer,Dryer,Cooktop,Refrigerator,Gas Water Heater
  • Laundry features: Main Level

Basement

  • Level: Lower

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 3

Features

  • Flooring: Hardwood,Carpet
  • Finished area below ground: 0
  • Finished area above ground: 1,000

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Window Unit(s),Electric

Interior Area

  • Total structure area: 1,000
  • Total interior livable area: 1,000 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 112370300020
  • Zoning: RESIDENTIAL
  • Zoning description: residential
  • Special condition: Standard
  • Exclusions: Washer,Dryer,Dishwasher,Microwave,Refrigerator,Gas Stove,Blinds,Light Fixtures .

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Exterior features: Awning(s)
  • Fencing: Chain Link

Lot

  • Lot size: 1,525 sqft
  • Lot size dimensions: 12.20 x 125.00

Parking

  • Parking features: On Street
  • 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

  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $1,592$19,104
Home Insurance *$119$1,428
Property Taxes $564$6,768
Electricity $193$2,318
Total$2,468$29,616
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$84,617/yr
40% on housing$74,040/yr
45% on housing$65,813/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

$315This listing

vs Other Active Listings

Avg $/sqft

ZIP 08638$172
Mercer County$276

vs Homes Sold Last Month

Median $/sqft

ZIP 08638$258
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

DateEventPrice
2026-06-22Listed for rent$2,600
2023-06-16Listing removed--
2023-05-26Listed for rent$2,650
2022-03-10Sold$200,000
2022-01-28Contingent$185,000
2022-01-25Pending sale$185,000
2022-01-17Listed for sale$185,000
2015-03-04Listing removed$79,999
2014-08-17Price change$79,999
2014-06-20Price change$89,999
2013-09-04Listed for sale$109,999
2009-06-30Listing removed$122,000
2008-08-15Listed for sale$122,000
1997-07-02Sold$48,000

For Sale by Agent

AgentKatarzyna Gurzakovic
BrokerageKeller Williams Realty Ocean Living

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