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909 W Panama Ct, Forked River, NJ, 08731

3beds
2baths
1,116sqft
$439,900
$394price/sqft
$3,378/moest. monthly cost
$135,120/yrincome needed

About This Home

This is a Coming Soon listing and cannot be shown until 7/30/26. Welcome to this beautifully maintained 3-bedroom, 2-bath ranch, ideally situated on a quiet cul-de-sac. This move-in ready home features numerous newer upgrades, including a newer roof, newer water heater, three newer mini-split systems providing efficient heating and cooling (plus baseboard heat), newer whole-house windows, newer vinyl flooring, and a newer kitchen slider. The crawl space has also been fully redone and insulated for added efficiency. Best of all, no flood insurance is required. Offering comfort, convenience, and quality updates throughout, this home is ready for its next owner.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

4/10
5/10
Lacey Twp Middle SchoolGrades 6-82.9 mi
4/10
Lacey Twp High SchoolGrades 9-122.9 mi

Construction

Condition

  • Year built: 1973

Materials

  • Foundation: Crawl Space
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch/Rambler
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,116

Heating & Cooling

  • Heating features: Baseboard,Electric
  • Cooling features: Ductless,Electric

Interior Area

  • Total structure area: 1,116
  • Total interior livable area: 1,116 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 130015800012
  • Zoning: R-75
  • Special condition: Standard
  • Exclusions: Personal Items,Outdoor Spa,Outdoor Grill

Features

  • Levels: One
  • Stories: 1
  • Pool features: None

Lot

  • Lot size: 8,010 sqft

Parking

  • Parking features: Driveway
  • 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

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Strong Wind
Inland Flooding
Winter Weather
Tsunami

FEMA Declared Disasters Across New Jersey Counties

Fire

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 $2,224$26,688
Home Insurance *$171$2,052
Property Taxes $790$9,480
Electricity $193$2,318
Total$3,378$40,536
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$115,817/yr
40% on housing$101,340/yr
45% on housing$90,080/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: 7.2%
7.2%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.1%
-2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$394This listing

vs Other Active Listings

Avg $/sqft

ZIP 08731$299
Ocean County$354

vs Homes Sold Last Month

Median $/sqft

ZIP 08731$315
Ocean County$302

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
2026-08-07Pending sale$439,900
2026-07-30Listed for sale$439,900
2020-10-07Sold$239,900
2020-08-03Price change$239,900
2020-07-16Listed for sale$258,900
2020-05-11Sold$132,000
2020-02-28Listed for sale--

For Sale by Agent

AgentKate Lissova
BrokerageCentury 21 Action Plus Realty - Forked River

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