65 Harding Ave, Totowa, NJ, 07512
About This Home
Welcome to this charming 4-bedroom Cape Cod nestled in a desirable Totowa neighborhood! Offering a versatile layout, this well-maintained home combines comfort, functionality, and convenience. The first flr features a bright + inviting Living Room filled with natural light, a Dining Rm with beautiful hardwood floors, and an enclosed front porch that provides the perfect spot to relax with coffee or unwind at the end of the day. The EIK offers plenty of room for everyday dining with easy access to a large deck overlooking the backyard ideal for outdoor gatherings. A convenient first-flr Bedrm + Full Bath provide flexibility for guests. Upstairs, you'll find a generously sized Primary Bedrm, two addil Bedrms, a Den that can serve as a reading nook, workspace, or play area and the Main Bath. The finished Basement expands the living space with a Rec Rm perfect for entertaining, or a Gym. Additional basement features include Laundry Rm, Workshop, and storage space to keep organized. An attached garage adds everyday convenience and protection from the elements. Ideally located near major hiways, public transport, shopping, dining, and local amenities. With lower Passaic County taxes and a flexible floor plan designed to accommodate a variety of lifestyles, this home presents an outstanding opportunity to enjoy comfortable living in a highly convenient location. Don't miss your chance to make this wonderful home your own! New roof (2023), new water heater (2025) new driveway (2025)
Getting Around
Very Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1940
Materials
- Roof: Asphalt Shingle
- Construction materials: Aluminum Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Cape Cod
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Carbon Monoxide Detector,Dishwasher,Dryer,Kitchen Exhaust Fan,Range/Oven-Gas,Refrigerator,Washer,Gas Water Heater
- Laundry features: Laundry Room,In Basement
Basement
- Features: Laundry Room, Rec Room, Utility Room, Workshop
Basement
- Has basement: Yes
- Basement: Yes,Full,Partial
Bedroom1
- Level: Second
- Area: 234
Bedroom2
- Level: First
- Area: 120
Bedroom3
- Level: Second
- Area: 165
Bedroom4
- Level: Second
- Area: 63
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Level: First
- Area: 100
Features
- Rec Room,Bathroom
- Door features: Storm Door(s)
- Flooring: Carpet,Tile,Vinyl-Linoleum,Wood
Heating & Cooling
- Heating features: 1 Unit,Baseboard - Hotwater,Zoned,Radiators - Steam,Natural Gas
- Cooling features: Window Unit(s)
Kitchen
- Features: Eat-in Kitchen
- Level: First
- Area: 130
Living Room
- Level: First
- Area: 195
Property
Details
- Parcel number: 2512001020000000050000
- Zoning description: Residential
- Exclusions: Window AC Units,Select Glass Doorknobs (knobs will be replaced).
Features
- Patio & porch: Deck
- Exterior features: Curbs,Sidewalk
Lot
- Lot size: 4,791 sqft
- Lot size dimensions: 50 x 100
Parking
- Total spaces: 3
- Parking features: 1 Car Width,Asphalt,Attached Garage,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
- 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
- Inland Flooding
- Strong Wind
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across New Jersey Counties
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 | $3,008 | $36,096 |
| Home Insurance * | $137 | $1,644 |
| Property Taxes | $1,120 | $13,440 |
| Electricity | $193 | $2,318 |
| Total | $4,458 | $53,496 |
Income You'd Need if You Spent...
New Jersey FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-11 | Pending sale | $595,000 |
| 2026-07-28 | Price change | $595,000 |
| 2026-06-10 | Listed for sale | $639,000 |
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