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861 Garfield Ave, Bridgewater, NJ, 08807

5beds
3baths
3,718sqft
$1,450,000
$390price/sqft
$10,443/moest. monthly cost
$417,720/yrincome needed

About This Home

Experience luxury living in this stunning 5-bedroom, 2.5-bath custom home offering approximately 4,000 sq. ft. of beautifully updated living space in one of Bridgewater's most desirable neighborhoods and top-rated school district. Designed for both everyday living and elegant entertaining, this home features custom hardwood flooring throughout, a dramatic sun-filled two-story living room, and a spectacular chef's kitchen with ceiling-height cabinetry, quartz countertops, a large center island, Sub-Zero refrigerator, and Wolf 6-burner range. The first floor offers a flexible bedroom perfect for guests or a home office. Upstairs, you'll find three spacious bedrooms, a beautifully renovated full bath, and an exceptional primary suite featuring a sitting area, makeup vanity, three custom designer California Closets walk-in closets, and a spa-inspired bath with a soaking tub, custom-tiled shower, and designer finishes. The fully finished basement includes a gym, expansive recreation area, and ample storage. Outside, enjoy a large deck, paved patio, and an expansive backyard perfect for entertaining and making lasting memories. A circular driveway and three-car garage complete this exceptional property. Combining luxury finishes, generous living spaces, and an unbeatable location, this is more than a home it's a lifestyle upgrade.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2000

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial, Custom Home, Two Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Gas Range/Oven,Microwave,Refrigerator,Range,Kitchen Exhaust Fan,Water Heater,Gas Water Heater

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Finished, Recreation Room, Storage Space, Utility Room

Bathroom

  • Features: Stall Shower and Tub

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Features: Formal Dining Room

Features

  • Blinds,High Ceilings,Security System,1 Bedroom,Entrance Foyer,Kitchen,Laundry Room,Bath Half,Living Room,Dining Room,Family Room,4 Bedrooms,Bath Full,Attic
  • Window features: Screen/Storm Window,Blinds
  • Flooring: Ceramic Tile,Granite,Laminate,Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Zoned,Forced Air
  • Cooling features: Central Air,Zoned,Attic Fan,Separate Control

Interior Area

  • Total structure area: 3,718
  • Total interior livable area: 3,718 sqft

Kitchen

  • Features: Kitchen Exhaust Fan, Kitchen Island, Eat-in Kitchen, Separate Dining Area

Master Bedroom

  • Features: Sitting Area, Dressing Room, Two Sinks, Full Bath, Walk-In Closet(s)

Property

Details

  • Parcel number: 0600454000000006
  • Zoning: R40

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Patio,Enclosed
  • Exterior features: Deck,Patio,Screen/Storm Window,Enclosed Porch(es),Storage Shed,Yard

Lot

  • Lot size: 0.92 Acres
  • Features: Dead - End Street
  • Lot size dimensions: 200.00 x 200.00

Parking

  • Total spaces: 3
  • Parking features: 2 Car Width,Circular Driveway,Paver Blocks,Garage,Attached,Built-In Garage,Garage Door Opener,Driveway,Paved
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes

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
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Cold Wave
Heat Wave
Ice Storm
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 $7,331$87,972
Home Insurance *$379$4,548
Property Taxes $2,324$27,888
Electricity $409$4,918
Total$10,443$125,316
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$358,045/yr
40% on housing$313,290/yr
45% on housing$278,480/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: 8.3%
8.3%
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

$390This listing

vs Other Active Listings

Avg $/sqft

ZIP 08807$327
Somerset County$343

vs Homes Sold Last Month

Median $/sqft

ZIP 08807$359
Somerset County$348

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
2026-07-24Listed for sale$1,450,000
2006-10-05Sold$710,000
2000-12-18Sold$590,000
1999-06-23Sold$125,000

For Sale by Agent

AgentHEMANT PATEL
BrokerageKELLER WILLIAMS ELITE REALTORS

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