655 Charles St, Perth Amboy, NJ, 08861
About This Home
**Charming Multi-Family Gem in Downtown Perth Amboy - Your Next Investment Awaits!** Discover an incredible opportunity to own a multi-family residence in the vibrant heart of Downtown Perth Amboy! This well-maintained property features two spacious units, both currently occupied and generating incomemaking it a dream investment for savvy buyers. Enjoy the benefits of low taxes and separate gas and electric meters, providing ease of management and potential for increased cash flow. Each unit boasts a cozy Family Room/Den, perfect for use as an additional bedroom or a relaxing retreat. The property also includes a large storage shed in the back and a fully fenced yard, offering plenty of outdoor space for tenants to enjoy. Commuters will appreciate the convenience of being just 6 minutes from the Perth Amboy Train Station, with direct trains to NYC for an easy commute. This property is being sold AS-IS, providing you with a fantastic canvas to make it your own or continue as a successful rental. For showings, please reach out to the agent to coordinate with the tenants. Don't miss out on this exceptional investment opportunityschedule your showing today and take the first step toward owning this delightful multi-family home!
Getting Around
Very Walkable
Some Transit
BikeableSchools
Construction
Condition
- Year built: 1939
Materials
- Roof: Asphalt
Type & Style
- Home type: MultiFamily
- Property subType: Multi Family
Interior
Appliances
- Appliances included: Water Heater(Gas),Water Heater,Unit 1(Range/Oven,Refrigerator),Unit 2(Range/Oven,Refrigerator)
Basement
- Has basement: Yes
- Basement: Partial, Utility Room
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
Features
- Unit 1(1 Bedroom,Kitchen,1 Bath,Living Room,Den/Family Room),Unit 2(1 Bedroom,Kitchen,1 Bath,Living Room,Den/Family Room)
Heating & Cooling
- Heating features: Baseboard,Radiant
- Cooling features: A/C Wall Unit(s),A/C Window Unit(s)
Interior Area
- Total structure area: 1,584
- Total interior livable area: 1,584 sqft
Property
Accessibility
- Accessibility features: Unit 1 Accessibility Features,Unit 2 Accessibility Features
Details
- Parcel number: 160034600000001701
- Zoning: R-25
Features
- Stories: 2
- Patio & porch: Patio
- Exterior features: Patio
Lot
- Features: Near Public Transit
- Lot size dimensions: 0.00 x 0.00
Parking
- Parking features: On Street
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
- Winter Weather
- Cold Wave
- Heat Wave
- Ice Storm
- Strong Wind
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters Across New Jersey Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,781 | $33,372 |
| Home Insurance * | $195 | $2,340 |
| Property Taxes | $912 | $10,944 |
| Electricity | $193 | $2,318 |
| Total | $4,081 | $48,972 |
Income You'd Need if You Spent...
New Jersey FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-13 | Listed for sale | $550,000 |
| 2026-02-17 | Listing removed | $550,000 |
| 2025-11-11 | Listed for sale | $550,000 |
| 2025-10-09 | Listing removed | $550,000 |
| 2025-10-03 | Listed for sale | $550,000 |
| 2024-01-31 | Sold | $391,300 |
| 2023-12-14 | Contingent | $399,000 |
| 2023-12-14 | Pending sale | $399,000 |
| 2023-11-15 | Listed for sale | $399,000 |
| 2022-05-01 | Listing removed | -- |
| 2022-02-05 | Listed for sale | $375,000 |
| 2021-06-25 | Sold | $192,000 |
| 2020-11-12 | Sold | $266,000 |
| 2020-09-16 | Pending sale | $279,000 |
| 2020-09-10 | Listed for sale | $279,000 |
| 2009-05-04 | Sold | $96,500 |
| 2008-11-16 | Listed for sale | $154,900 |
| 2008-01-28 | Sold | $155,000 |
| 2004-05-11 | Sold | $256,000 |
| 1998-12-22 | Sold | $98,000 |
For Sale by Agent
View on Zillow