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650 River Road, Fair Haven, NJ, 07704

3beds
2baths
1,277sqft
$999,995
$783price/sqft
$6,636/moest. monthly cost
$265,440/yrincome needed

About This Home

Move right into this charming Fair Haven Colonial featuring fresh paint newly finished hardwood floors, crown moldings, and high ceilings. Enjoy a convenient location close to unique shops, groceries, restaurants, the riverfront and highly rated schools. The bright kitchen boasts a farmhouse sink, marble counters, radiant heat, and ample storage. A sunny living room, dining room, updated half bath, and mudroom complete the first floor. Upstairs offers 3 bedrooms, a newer full bath with tiled tub/shower, and a staircase to a finished 3rd floor attic. The private yard includes a hot tub retreat, plus an oversized driveway with turnaround. The 2 1/2 bay, two story garage features a heated movie/exercise room with built-in speakers. Minutes to beaches, Red Bank, ferries, and the GS Parkway.

Getting Around

73
WalkingVery Walkable
0
TransitVery Limited Transit
50
BikeBikeable

Schools

Construction

Condition

  • Year built: 1903

Materials

  • Roof: Timberline

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Partial,Unfinished

Bedrooms & Bathrooms

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

Features

  • Ceilings - 9Ft+ 1st Flr,Dec Molding,Recessed Lighting
  • Flooring: Ceramic Tile,Tile,Wood
  • Attic: Walk-up

Heating & Cooling

  • Heating features: Hot Water,Baseboard,2 Zoned Heat
  • Cooling features: Central Air,2 Zoned AC

Interior Area

  • Total structure area: 1,277
  • Total interior livable area: 1,277 sqft

Property

Details

  • Parcel number: 1400030000000003
  • Zoning description: Residential
  • Exclusions: Personal property

Features

  • Stories: 2
  • Has spa: Yes
  • Spa features: Outdoor Hot Tub
  • Topography of land: Level

Lot

  • Lot size: 7,840 sqft
  • Features: Oversized
  • Lot size dimensions: 50 x 160

Parking

  • Total spaces: 2.5
  • Parking features: See Remarks,Asphalt,Driveway,Oversized
  • Has garage: Yes
  • Attached garage spaces: 2.5
  • Covered spaces: 2.5
  • 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 WindVery High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Heat Wave
Lightning
Winter Weather
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 $5,056$60,672
Home Insurance *$194$2,328
Property Taxes $1,193$14,316
Electricity $193$2,318
Total$6,636$79,632
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$227,520/yr
40% on housing$199,080/yr
45% on housing$176,960/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: 9.2%
9.2%
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

$783This listing

vs Other Active Listings

Avg $/sqft

ZIP 07704$836
Monmouth County$425

vs Homes Sold Last Month

Median $/sqft

ZIP 07704$681
Monmouth County$384

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
2026-07-24Listed for sale$999,995
2002-10-07Sold$250,000

For Sale by Agent

AgentDonna S Barr
BrokerageC21 Thomson & Co.

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