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14 Garden Ave, Wharton, NJ, 07885

3beds
3baths
2,200sqft
$650,000
$295price/sqft
$4,724/moest. monthly cost
$188,960/yrincome needed

About This Home

Welcome to this lovingly maintained and spacious 3-bedroom, 2.5-bath Colonial offering over 2,200 square feet of comfortable living space in the heart of Wharton! Blending timeless character with modern convenience, this home features generously sized rooms, hardwood floors, central air, a partially finished basement, and a detached 2-car garage, providing plenty of space for everyday living, entertaining, and storage. The flexible floor plan offers room to gather, work from home, or simply relax, while the large .23 acre lot with fenced in backyard provides outdoor space for gardening, play, or summer barbecues. Built with enduring craftsmanship and thoughtfully updated over the years, this home offers the perfect balance of charm and functionality. Major big ticket items have been replaced recently for peace of mind. Roof - 8 yrs old, Furnace - 2 yrs old, A/C - 4 yrs old, fence - 1 yr old Conveniently located just minutes from major highways, NJ Transit, shopping, restaurants, parks, and schools, you'll enjoy easy commuting while being close to everything Wharton and the surrounding Morris County area have to offer. Don't miss this opportunity to own a spacious home with classic appeal, modern comforts, and an unbeatable location!

Getting Around

41
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

5/10
7/10
Morris Hills High SchoolGrades 9-122.8 mi

Construction

Condition

  • Year built: 1950

Materials

  • Roof: Asphalt Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Range/Oven-Electric,Refrigerator,Washer/Dryer Stacked,Trash Compactor
  • Laundry features: Laundry Room

Basement

  • Features: Rec Room, Utility Room, Workshop

Basement

  • Has basement: Yes
  • Basement: Yes,Bilco-Style Door,Partially Finished

Bedroom1

  • Level: Second
  • Area: 288

Bedroom2

  • Level: Second
  • Area: 204

Bedroom3

  • Level: Second
  • Area: 182

Bedrooms & Bathrooms

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

Dining Room

  • Level: First
  • Area: 144

Family Room

  • Level: First
  • Area: 204

Features

  • Breakfast
  • Window features: Blinds,Drapes
  • Flooring: Carpet,Tile,Wood

Heating & Cooling

  • Heating features: 2 Units,Baseboard - Hotwater,Natural Gas
  • Cooling features: 2 Units,Central Air

Interior Area

  • Total structure area: 2,200
  • Total interior livable area: 2,200 sqft

Kitchen

  • Features: Eat-in Kitchen,Pantry,Separate Dining Area
  • Level: First
  • Area: 240

Living Room

  • Level: First
  • Area: 204

Master Bathroom

  • Features: Stall Shower

Property

Details

  • Parcel number: 2339019050000000140000
  • Exclusions: Chandeliers

Features

  • Patio & porch: Deck
  • Exterior features: Sidewalk

Lot

  • Lot size: 10,018 sqft
  • Lot size dimensions: 100 x 100

Parking

  • Total spaces: 4
  • Parking features: 2 Car Width,Asphalt,Detached Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Uncovered spaces: 4

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

  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Winter Weather
Heat Wave
Inland Flooding
Lightning

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 $3,286$39,432
Home Insurance *$200$2,400
Property Taxes $996$11,952
Electricity $242$2,910
Total$4,724$56,688
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$161,965/yr
40% on housing$141,720/yr
45% on housing$125,973/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: 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

$295This listing

vs Other Active Listings

Avg $/sqft

ZIP 07885$293
Morris County$395

vs Homes Sold Last Month

Median $/sqft

ZIP 07885$326
Morris County$367

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
2026-08-11Price change$629,900
2026-07-25Listed for sale$650,000
2003-01-29Sold$358,000

For Sale by Agent

AgentHeather Montalbano
BrokerageRe/Max Town & Valley

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