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523 Bowne Rd, Ocean, NJ, 07712

4beds
4baths
3,644sqft
$1,080,000
$296price/sqft
$7,412/moest. monthly cost
$296,480/yrincome needed

About This Home

Welcome Home! This home is absolutely beautiful. From the meticulous exterior to the detail oriented molding and wood floors, this home is ready for you to move right into. Wonderful neighborhood and great location for easy access to schools, highways, shopping and more! Enter the large foyer with hardwood floors, open to the Living Room on the right and Family Room on the left. Living room is bright with hardwood floors, large window crown molding and columns in the doorway to the Dining Room. Dining room also with moldings, wood floors and French Doors leading to the lovely back deck. Updated Kitchen with granite counters, wood floors, pantry, slider to deck, island and much more. Family room off the Kitchen Breakfast area is great. Family room offers fireplace surrounded with custom marble, wood floors, molding and large windows for natural light. To finish this level, a half bathroom, front closet, Laundry room leads to the 2 car garage. On the 2nd level is a large Primary bedroom with fantastic double walk-in closet, terrific Primary bathroom, with soaking tub, separate shower, double vanity and great storage. Three large bedrooms with great closets, all wood floors throughout, hallway full bathroom with a double vanity. Much more, finished walk-up basement (into Garage) adds space for entertaining, exercise, media area, office and lots of storage. Full bathroom in basement. This is just the inside of this fabulous home, the outside area is spectacular! Large deck off Kitchen and Dining Room is across the back of the house and leads to a stone patio for additional entertaining and relaxing space in your private professionally landscaped with flowering trees and yard for games and more. New roof, siding, HVAC (zoned), Anderson windows and more since 2018.

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

6/10
Wayside Elementary SchoolGrades PK-40.5 mi
4/10
6/10
Ocean Twp High SchoolGrades 9-122.4 mi

Construction

Condition

  • Year built: 1974

Materials

  • Foundation: Block
  • Construction materials: Block

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Built-In Range,Dishwasher,Dryer,Refrigerator,Gas Water Heater
  • Laundry features: Laundry Room

Basement

  • Has basement: Yes
  • Basement: Finished,Garage Access,Windows

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedroom4

  • Level: Upper

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Lower

Breakfast Room

  • Level: Main

Dining Room

  • Level: Main

Exercise Room

  • Level: Lower

Family Room

  • Level: Main

Features

  • Soaking Tub,Cedar Closet(s),Crown Molding,Family Room Off Kitchen,Open Floorplan,Kitchen Island,Primary Bath(s),Recessed Lighting,Walk-In Closet(s)
  • Window features: Window Treatments
  • Flooring: Wood
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 900
  • Finished area above ground: 2,744

Foyer

  • Level: Main

Half Bath

  • Level: Main

Heating & Cooling

  • Heating features: Central,Zoned,Natural Gas
  • Cooling features: Central Air,Zoned,Natural Gas

Interior Area

  • Total structure area: 3,644
  • Total interior livable area: 3,644 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Media Room

  • Level: Lower

Other

  • Level: Upper

Primary Bathroom

  • Level: Upper

Primary Bedroom

  • Level: Upper

Storage Room

  • Level: Lower

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 3700037 1600024
  • Zoning: RESIDENTIAL
  • Special condition: Standard
  • Exclusions: All Personal Items

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 0.46 Acres
  • Lot size dimensions: 122.00 x 164.00

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Rear,Garage Door Opener,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Heat Wave
Ice Storm
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 $5,461$65,532
Home Insurance *$321$3,852
Property Taxes $1,229$14,748
Electricity $401$4,820
Total$7,412$88,944
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$254,125/yr
40% on housing$222,360/yr
45% on housing$197,653/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

$296This listing

vs Other Active Listings

Avg $/sqft

ZIP 07712$445
Monmouth County$425

vs Homes Sold Last Month

Median $/sqft

ZIP 07712$410
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)

No zestimate history available

Price History

DateEventPrice
2026-05-08Listed for sale$1,100,000
2021-03-09Listing removed--
2007-03-20Listing removed$725,000
2007-03-07Listed for sale$725,000
1994-11-07Sold$320,000

For Sale by Agent

AgentKathryn Supko, BHHS Fox & Roach-Moorestown
BrokerageBHHS Fox & Roach-Moorestown

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