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91 Minnisink Rd, Totowa, NJ, 07512

3beds
3baths
--sqft
$1,100,000
--price/sqft
$8,079/moest. monthly cost
$323,160/yrincome needed

About This Home

2 FOR THE PRICE OF 1.....A rare offering with exceptional upside: two adjoining lots being sold together for $1,100,000, totaling just under 1 acre. The main parcel includes a charming 3-bedroom, 3 full bath home with generous living space, a large kitchen, finished basement, and a backyard designed for enjoyment with an inground pool.The adjoining .74-acre vacant lot creates a unique opportunity for added privacy, expansion, or possible future development. Whether you are a homeowner seeking space, a builder exploring potential, or an investor looking for a valuable land component, this property stands out. Conveniently located near major highways and transportation to NYC.

Getting Around

55
WalkingSomewhat Walkable
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

5/10
3/10
Memorial Middle SchoolGrades PK-30.9 mi

Construction

Condition

  • Year built: 1925

Materials

  • Roof: Asphalt Shingle
  • Construction materials: Aluminum Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Range/Oven-Gas,Refrigerator,Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Yes,Finished,French Drain,Full,Sump Pump

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Flooring: Vinyl-Linoleum,Wood
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: 1 Unit,Radiators - Steam,Natural Gas
  • Cooling features: Window Unit(s)

Kitchen

  • Features: Breakfast Bar,Separate Dining Area

Property

Details

  • Parcel number: 2512001540000000150000
  • Exclusions: washer and dryer in the basement

Features

  • Private pool: Yes
  • Pool features: In Ground,Liner
  • Fencing: Metal Fence

Lot

  • Lot size: 9,583 sqft
  • Features: Level
  • Lot size dimensions: 75 x 126

Parking

  • Total spaces: 4
  • Parking features: 2 Car Width,Gravel,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

  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Strong Wind
Winter Weather
Cold Wave
Earthquake
Hurricane
Heat Wave
Tornado

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 $5,562$66,744
Home Insurance *$253$3,036
Property Taxes $2,071$24,852
Electricity $193$2,318
Total$8,079$96,948
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$276,994/yr
40% on housing$242,370/yr
45% on housing$215,440/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 07512$429
Passaic County$341

vs Homes Sold Last Month

Median $/sqft

ZIP 07512$394
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)

Price History

DateEventPrice
2026-03-27Listed for sale$1,100,000
2026-01-04Listing removed$1,100,000
2025-10-09Listed for sale$1,100,000

For Sale by Agent

AgentJorge Ramirez
BrokerageKeller Williams Realty

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