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3 Monmouth Avenue, Middletown, NJ, 07748

3beds
2baths
1,215sqft
$399,000
$328price/sqft
$2,867/moest. monthly cost
$114,680/yrincome needed

About This Home

Renovated colonial style home close to gorgeous sandy beaches - open airy layout - gorgeous white bright kitchen w/ quartz counters & s/s appliances - 3 bedrooms - 2 full bathrooms - panty as well - house makes a great townhouse alternative without the high hoa fees - renovated and ready for immediate occupancy - gorgeous home in a great location

Getting Around

45
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

4/10
Ocean Avenue Elementary SchoolGrades PK-50.6 mi
4/10
Thorne Middle SchoolGrades 6-81.7 mi
5/10
Middletown - North High SchoolGrades 9-123.1 mi

Construction

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Partial

Bedrooms & Bathrooms

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

Heating & Cooling

  • Heating features: Natural Gas,Hot Water,Baseboard
  • Cooling features: None

Interior Area

  • Total structure area: 1,215
  • Total interior livable area: 1,215 sqft

Property

Details

  • Parcel number: 3200003000000031
  • Zoning description: Residential, Single Family

Features

  • Stories: 3
  • Waterfront features: Bayside

Lot

  • Lot size: 1,742 sqft
  • Lot size dimensions: 27x75x79x35

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
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Coastal Flooding
Heat Wave
Lightning
Winter Weather
Cold Wave
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 $2,017$24,204
Home Insurance *$110$1,320
Property Taxes $547$6,564
Electricity $193$2,318
Total$2,867$34,404
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

30% on housingRecommended$114,680/yr
35% on housing$98,297/yr
40% on housing$86,010/yr
45% on housing$76,453/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

$328This listing

vs Other Active Listings

Avg $/sqft

ZIP 07748$314
Monmouth County$425

vs Homes Sold Last Month

Median $/sqft

ZIP 07748$376
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
2026-05-05Price change$429,000
2026-04-19Listed for sale$449,000
2025-01-08Sold$170,000
2024-10-07Sold$1,000
2019-10-19Listing removed$174,865
2019-10-18Price change$174,865
2019-10-17Price change$174,756
2019-10-16Price change$174,790
2019-10-14Price change$174,737
2019-10-11Price change$175,694
2019-10-09Price change$176,305
2019-10-08Price change$176,398
2019-10-07Price change$176,527
2019-10-02Price change$175,530
2019-09-28Price change$173,955
2019-09-26Price change$173,752
2019-09-24Price change$173,201
2019-09-22Price change$172,943
2019-09-20Price change$172,482
2019-09-18Price change$172,688
2019-09-16Price change$172,687
2019-09-14Price change$172,771
2019-09-11Price change$172,530
2019-09-10Price change$172,831
2019-09-07Price change$173,581
2019-08-06Listed for sale--
2018-05-04Listing removed$125,000
2003-12-08Sold$156,000
2003-09-25Sold$155,000
2002-01-28Sold$195,000

For Sale by Agent

AgentVincent Alu
BrokerageLighthouse Realty of NJ, LLC
Phone732-670-6565
View on Zillow

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