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About This Home

Welcome to 41 E Shore Road, a charming Lake Hopatcong-area cottage with a warm cabin feel, inviting indoor/outdoor living, and thoughtful updates throughout. Technically a 2-bedroom home with a 2-bedroom septic, the current floor plan is configured as a spacious 1-bedroom layout with a large walk-in closet, offering flexibility for future use. The bright main living area features exposed wood beams, generous windows, and an open dining/sunroom space overlooking the deck and yard. The kitchen offers newer appliances including oven, microwave, and dishwasher, while the bath was renovated in 2021. Major improvements include a new roof and electric water heater in 2017, high-efficiency furnace in 2018/2019, new electric panel with portable generator plug-in in 2023, natural gas line in 2025, and freshly painted deck in 2026. Outside, enjoy a fenced-feel setting with lawn space, stone walls, off-street parking, storage shed, and an updated patio with lighting tucked into a private natural backdrop. Close to lake recreation, East Shore Park, shopping, dining, and commuter routes.

Getting Around

Car-Dependent

Very Limited Transit

Somewhat Bikeable

Schools

Ellen T. Briggs Elementary SchoolGrades PK-K0.4 mi

7/10

Jefferson Twp Middle SchoolGrades 6-85.4 mi

4/10

Jefferson Twp High SchoolGrades 9-125.5 mi

Construction

Condition

Year built: 1946

Materials

Roof: Asphalt Shingle
Construction materials: Log

Notable Dates

Major remodel year: 2022

Type & Style

Home type: SingleFamily
Architectural style: Ranch,Log Home
Property subType: Single Family Residence

Interior

Appliances

Appliances included: Carbon Monoxide Detector,Dryer,Microwave,Range/Oven-Gas,Refrigerator,Washer,Electric Water Heater

Basement

Has basement: Yes
Basement: Yes,Partial,Unfinished

Bedrooms & Bathrooms

Bedrooms: 2
Bathrooms: 1
Full bathrooms: 1

Features

Flooring: Carpet,Laminate

Heating & Cooling

Heating features: 1 Unit,Natural Gas
Cooling features: See Remarks

Interior Area

Total structure area: 868
Total interior livable area: 868 sqft

Kitchen

Features: Galley Type

Property

Details

Parcel number: 2314001540000000010000

Lot

Lot size: 7,840 sqft
Lot size dimensions: 0.177 AC

Parking

Total spaces: 3
Parking features: 2 Car Width
Uncovered spaces: 3

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 WindRelatively High
Winter WeatherRelatively High
Cold WaveModerate
Heat WaveModerate
Inland FloodingModerate
LightningModerate

How This Home’s Risks Compare

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

	Monthly	Annual
Mortgage	$1,946	$23,352
Home Insurance *	$119	$1,428
Property Taxes	$590	$7,080
Electricity	$193	$2,318
Total	$2,848	$34,176

*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

30% on housingRecommended$113,920/yr

35% on housing$97,645/yr

40% on housing$85,440/yr

45% on housing$75,946/yr

New Jersey FAIR Plan Programs

New Jersey Insurance Underwriting Association

Covered

Wildfire

Hail

Wind

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: 6.8%

6.8%

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

$444This listing

vs Other Active Listings

Avg $/sqft

ZIP 07849$311

Morris County$395

vs Homes Sold Last Month

Median $/sqft