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5 Setting Sun Trl, West Milford, NJ, 07480

2beds
1baths
--sqft
$300,000
--price/sqft
$2,357/moest. monthly cost
$94,280/yrincome needed

About This Home

Adorable lake cabin/cottage located in small lake community in lower West Milford with easy access to routes 23 and 287. Backs up to parkland. Located very short walk to the private community beach. Dead end road. King size primary bedroom with vaulted ceilings and 2 closets. Access to huge walk in attic. Second bedroom is on the same level with vaulted ceilings as well. Main level features cozy log living room with natural gas fireplace/stove that current owner uses to heat the entire house, vaulted ceilings, updated kitchen with small dining area, updated tile bath, laundry room with room for full size units, large front entry room with large closet currently used for home office. Back yard features large finished heated shed with electric, double doors, pull down attic, exhaust fan. Was used by prior owner as shop for working on his motorcycle. Yard is mostly fenced in and is all gravel as current owner has 2 dogs. This house has been lovingly maintained by the current owner for over 20 years.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

6/10
4/10
MacOpin Middle SchoolGrades 6-82.1 mi
5/10
West Milford High SchoolGrades 9-122.1 mi

Construction

Condition

  • Year built: 1926

Materials

  • Roof: Asphalt Shingle
  • Construction materials: Wood Siding

Notable Dates

  • Major remodel year: 2018

Type & Style

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

Interior

Appliances

  • Appliances included: Carbon Monoxide Detector,Dishwasher,Dryer,Microwave,Range/Oven-Electric,Washer,Water Filter,Electric Water Heater
  • Laundry features: Laundry Room,Ground Level

Basement

  • Basement: None

Bedroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedrooms & Bathrooms

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

Features

  • Office,Bath Main,Kitchen,Living Room,Utility Room
  • Door features: Storm Door(s)
  • Window features: Thermal Windows/Doors,Blinds
  • Flooring: Carpet,Laminate,Tile
  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Baseboard - Electric,See Remarks,Electric,Natural Gas
  • Cooling features: Ceiling Fan(s),Wall Unit(s),Window Unit(s)

Kitchen

  • Features: Eat-in Kitchen
  • Level: Ground

Living Room

  • Level: Ground

Master Bathroom

  • Features: Tub Shower

Property

Details

  • Parcel number: 2515123110000000280000
  • Zoning description: Residential
  • Exclusions: Washer/Dryer,Freezer in Shed

Features

  • Patio & porch: Patio
  • Has view: Yes
  • View description: Lake/Water View
  • Has water view: Yes
  • Water view: Lake/Water View
  • Waterfront features: Lake Privileges

Lot

  • Lot size: 2,613 sqft
  • Features: Backs to Park Land
  • Lot size dimensions: .063 AC

Parking

  • Total spaces: 2
  • Parking features: Asphalt
  • 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

  • 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 $1,516$18,192
Home Insurance *$83$996
Property Taxes $565$6,780
Electricity $193$2,318
Total$2,357$28,284
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$80,811/yr
40% on housing$70,710/yr
45% on housing$62,853/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 07480$274
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
2026-07-21Listed for sale$300,000
2002-06-14Sold$128,870
2000-10-20Sold$105,000
1998-06-01Sold$84,000

For Sale by Agent

AgentSandra L. Mantione
BrokerageRealty Executives Exceptional

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