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12 Goldfinch Ln, Hewitt, NJ, 07421

2beds
1baths
1,400sqft
$429,000
$306price/sqft
$3,306/moest. monthly cost
$132,240/yrincome needed

About This Home

Lakeview Mountain Retreat — Where Every Season Feels Like a Getaway! Wake up to the shimmer of sunlight dancing across the lake and end your evenings watching the mountains fade into brilliant sunsets from your brand-new water- facing deck. Nestled on a generous lakeview property in a peaceful and quiet rural setting, this unique home offers the perfect blend of nature, comfort, and year-round recreation. Constructed with stone sourced directly from the property, complemented by beautifully stained blue wood accents, the home's exterior reflects the character and beauty of its surroundings. Inside, you'll discover 10 inviting rooms designed for both relaxation and gathering. The home features 2 bedrooms, 1 bathroom, a spacious living room, dining room, kitchen, den, welcoming entrance room, sunroom, and a distinctive cedar-walled room centered around a wood-burning stove—the perfect place to unwind on snowy winter evenings. Step outside and enjoy your own private sanctuary. The grounds include: • Direct lake view • Brand-new lake-facing deck • Beautiful garden areas • Charming pond with a small fountain • Detached shed with new roof • Attached garage • Paver driveway and walkways • Spacious yard with room to enjoy every season Outdoor enthusiasts will appreciate the abundance of nearby hiking trails, while winter brings easy access to skiing, sledding, and snow-covered mountain scenery. Residents also enjoy access to a private lake beach for swimming, relaxing, and making lasting summer memories. Recent Improvements • New lakefront deck (2026) • Central air conditioning unit replaced one month ago • Furnace approximately 5 years old • Shed roof replaced in 2025 • Roof approximately 13 years old - with 30 year warranty More than a house, this is a place where mornings begin with lake views, afternoons are spent exploring trails and gardens, and evenings gather around the warmth of a crackling fire by the stove or outside by the fire pit making s'mores! Whether you're looking for a full-time residence, a weekend escape, or a peaceful retreat close to nature, this mountain lakeview property offers a lifestyle that's increasingly hard to find. It's not just a house it's a place where the best memories of your life are made with family and friends. For me, it's been one unforgettable place to call home. Although there is an HOA, they have no say on what you can and cannot do with your property. The dues collected is strictly for the lake, beach and road. I need to inform you that I have my real estate license.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
9
BikeSomewhat Bikeable

Schools

4/10
MacOpin Middle SchoolGrades 6-85.3 mi
5/10
West Milford High SchoolGrades 9-125.2 mi

Construction

Condition

  • Year built: 1952

Materials

  • Roof: Other

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Freezer,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Concrete,Hardwood,Laminate,Slate
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced air,Oil,Wood / Pellet
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,400 sqft

Property

Details

  • Parcel number: 1500201000000004

Features

  • Exterior features: Stone,Vinyl,Wood
  • Has view: Yes
  • View description: Water,Mountain
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes

Lot

  • Lot size: 9,931 sqft

Parking

  • Total spaces: 4
  • Parking features: Garage - Attached,Off-street

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 WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
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 $2,169$26,028
Home Insurance *$137$1,644
Property Taxes $807$9,684
Electricity $193$2,318
Total$3,306$39,672
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$113,348/yr
40% on housing$99,180/yr
45% on housing$88,160/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

$306This listing

vs Other Active Listings

Avg $/sqft

ZIP 07421$341
Passaic County$341

vs Homes Sold Last Month

Median $/sqft

ZIP 07421$344
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
2026-08-13Price change$425,000
2026-06-26Listed for sale$429,000
1999-09-29Sold$106,000

For Sale by Owner

AgentProperty Owner

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