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78 Overlook Rd, West Milford, NJ, 07480

4beds
3baths
2,184sqft
$499,900
$229price/sqft
$3,846/moest. monthly cost
$153,840/yrincome needed

About This Home

Discover a unique and versatile home in the desirable Pinecliff Lake community of West Milford! Conveniently located just off Union Valley Rd, close to shopping, dining, and Pinecliff Lake, with optional lake membership available. This property offers two distinct living spaces, ideal for flexible use. The main level features a lakehouse-style design with two bedrooms, a den/office, a library (both with potential for additional use), two full bathrooms, kitchen, dining room, and living room. The upper level offers a separate, modern-style living area with two bedrooms, one full bathroom, kitchen, dining area, and living room. Outside, you have a patio and deck for entertaining and a large driveway and yard to accompany your home. With four bedrooms plus two additional adaptable rooms and three full bathrooms, this home provides a variety of living possibilities. A rare opportunity in a sought-after lake community; this one needs to be seen so don't wait!

Getting Around

55
WalkingSomewhat Walkable
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

--
3/10
MacOpin Middle SchoolGrades 6-83.8 mi
5/10
West Milford High SchoolGrades 9-123.7 mi

Construction

Condition

  • Year built: 1955

Materials

  • Roof: Asphalt Shingle
  • Construction materials: See Remarks

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range/Oven-Gas,Refrigerator,Washer,Water Softener Rented
  • Laundry features: Ground Level

Basement

  • Basement: None,Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • In-Law Floorplan,Utility Room
  • Flooring: Carpet,Tile,Vinyl-Linoleum,Wood

Heating & Cooling

  • Heating features: Baseboard - Hotwater,Zoned,Natural Gas
  • Cooling features: Wall Unit(s),Window Unit(s)

Interior Area

  • Total structure area: 2,184
  • Total interior livable area: 2,184 sqft

Kitchen

  • Features: Second Kitchen,Separate Dining Area

Property

Details

  • Parcel number: 2515076210000000170000
  • Exclusions: AC unit in the library,Blackstone on the patio,patio furniture

Features

  • Patio & porch: Deck,Patio

Lot

  • Lot size: 0.34 Acres
  • Lot size dimensions: .344 AC

Parking

  • Total spaces: 6
  • Parking features: Driveway-Exclusive
  • Has uncovered spaces: Yes
  • Uncovered spaces: 6

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 FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Cold Wave
Lightning
Strong Wind

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 $2,527$30,324
Home Insurance *$138$1,656
Property Taxes $941$11,292
Electricity $240$2,889
Total$3,846$46,152
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$131,862/yr
40% on housing$115,380/yr
45% on housing$102,560/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

$229This listing

vs Other Active Listings

Avg $/sqft

ZIP 07480$273
Passaic County$341

vs Homes Sold Last Month

Median $/sqft

ZIP 07480$290
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
2026-04-30Price change$499,900
2026-04-16Listed for sale$524,900
2022-08-15Sold$415,000
2022-05-31Pending sale$389,000
2022-05-27Contingent$389,000
2022-05-19Listed for sale$389,000

For Sale by Agent

AgentJenna L. Clausen
BrokerageWeichert Realtors

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