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22 Cottage Ln, Clifton, NJ, 07012

4beds
3baths
--sqft
$749,000
--price/sqft
$5,583/moest. monthly cost
$223,320/yrincome needed

About This Home

Welcome to this exceptional home in the highly desirable Allwood section of Clifton, where space, style, and convenience come together seamlessly!This beautifully maintained 4-bedroom, 2 full bath, 1 half bath home offers a versatile and thoughtfully designed layout perfect for today's lifestyle. The sun-filled living room flows effortlessly into a formal dining room, creating the ideal setting for both everyday living and entertaining. The spacious eat-in kitchen provides the perfect backdrop for gatherings, with plenty of room to cook, dine, and make memories.The first floor features two generously sized bedrooms, offering flexibility for guests, a home office, or convenient one-level living. Upstairs, you'll find two additional bedrooms, including a private primary suite that serves as your own peaceful retreat, along with a bonus office perfect for remote work, study space, or a quiet escape.The fully finished basement expands your living space even further ideal for a family room, recreation area, gym, or media room. Step outside to a lovely backyard, perfect for relaxing, entertaining, or enjoying warm summer days.Located just a stone's throw from the NYC bus stop and close to schools, shopping, and major transportation, this home is a commuter's dream. A rare opportunity to own a move-in-ready gem in one of Clifton's most sought-after neighborhoods

Getting Around

84
WalkingVery Walkable
48
TransitSome Transit
49
BikeSomewhat Bikeable

Schools

8/10
School #9Grades PK-50.2 mi
2/10
Clifton High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 1940

Materials

  • Roof: Asphalt Shingle
  • Construction materials: Aluminum Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Carbon Monoxide Detector,Range/Oven-Gas

Basement

  • Has basement: Yes
  • Basement: Yes,Finished

Bedrooms & Bathrooms

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

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Window Unit(s)

Kitchen

  • Features: Eat-in Kitchen

Property

Details

  • Parcel number: 2502000680012000070000

Lot

  • Lot size: 4,791 sqft
  • Lot size dimensions: 50 x 100

Parking

  • Total spaces: 2
  • Parking features: 1 Car Width,Attached Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Uncovered 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

  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Winter Weather

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 $3,787$45,444
Home Insurance *$193$2,316
Property Taxes $1,410$16,920
Electricity $193$2,318
Total$5,583$66,996
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$191,417/yr
40% on housing$167,490/yr
45% on housing$148,880/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: 10.5%
10.5%
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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 07012$399
Passaic County$341

vs Homes Sold Last Month

Median $/sqft

ZIP 07012$455
Passaic County$345

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
2026-05-11Pending sale$749,000
2026-04-08Listed for sale$749,000
2006-07-12Sold$390,000

For Sale by Agent

AgentMahmoud Ijbara
BrokerageGild Realty

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