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1238 Millstone River Rd, Hillsborough, NJ, 08844

3beds
2baths
1,331sqft
$695,000
$522price/sqft
$5,118/moest. monthly cost
$204,720/yrincome needed

About This Home

No detail has been overlooked in this beautiful ranch offering exceptional quality, comfort, & functionality. Hardwood floors & crown molding flow throughout the main level, anchored by a wood-burning fireplace in the living room, while there is a second wood-burning fireplace in the finished basement family room. Updated kitchen features granite countertops, center island & pantry. Both full bathrooms have been tastefully renovated, while a new Pella front door, sliding door & Andersen 400 Series replacement windows enhance both efficiency & curb appeal. The fully finished walk-out basement adds approximately 1,000 sq. ft. of additional living space, featuring two private offices, spacious family room, wet bar, wine closet, whirlpool tub with built-in heater & soundproof insulation to minimize noise between levels. Walk out to a covered patio, then step up to the 29x15 composite deck (2015) overlooking beautifully landscaped grounds enhanced by a 10-zone underground sprinkler system, backyard fire pit & CalSpa 6-person hot tub. Additional upgrades include a roof (2012), high-efficiency boiler, generator hookup, water softener installed as part of the well water treatment system, 3 exterior hose bibs & underground gutter drainage connected directly to the storm drain. Located 15 minutes from the Somerville Train Station, 20 minutes from New Brunswick & approx 10 minutes to Rt 287 & 22, this truly move-in ready home offers exceptional craftsmanship, comfort, and convenience.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

8/10
Amsterdam SchoolGrades K-42.3 mi
8/10
8/10
Hillsborough High SchoolGrades 9-123.8 mi

Construction

Condition

  • Year built: 1960

Materials

  • Roof: Asphalt Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Carbon Monoxide Detector,Dishwasher,Dryer,Microwave,Refrigerator,Washer,Water Heater From Furnace
  • Laundry features: Laundry Room

Basement

  • Features: BathOthr,FamilyRm,Laundry,Office,SeeRem,Utility,Walkout

Basement

  • Has basement: Yes
  • Basement: Yes,Finished,Full,Walk-Out Access,Sump Pump

Bedroom1

  • Level: First
  • Area: 168

Bedroom2

  • Level: First
  • Area: 120

Bedroom3

  • Level: First
  • Area: 110

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First
  • Area: 132

Features

  • Office
  • Window features: Blinds,Shades
  • Flooring: Tile,Vinyl-Linoleum,Wood
  • Number of fireplaces: 2
  • Fireplace features: Family Room,Living Room,Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: 1 Unit,Zoned,Radiators - Hot Water,Natural Gas
  • Cooling features: 1 Unit,Ceiling Fan(s)

Interior Area

  • Total structure area: 1,331
  • Total interior livable area: 1,331 sqft

Kitchen

  • Features: Kitchen Island,Eat-in Kitchen,Pantry
  • Level: First
  • Area: 252

Living Room

  • Level: First
  • Area: 285

Property

Details

  • Parcel number: 2710001830005000100000
  • Zoning description: Residential
  • Other equipment: Generator-Hookup
  • Exclusions: Plants next to hot tub

Features

  • Patio & porch: Deck,Patio
  • Exterior features: Underground Lawn Sprinkler
  • Has spa: Yes
  • Spa features: Heated,Hot Tub

Lot

  • Lot size: 0.56 Acres
  • Features: Level
  • Lot size dimensions: 0.562

Parking

  • Total spaces: 6
  • Parking features: 2 Car Width,Asphalt
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Heat Wave
Inland Flooding
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 $3,514$42,168
Home Insurance *$214$2,568
Property Taxes $1,197$14,364
Electricity $193$2,318
Total$5,118$61,416
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$175,474/yr
40% on housing$153,540/yr
45% on housing$136,480/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

$522This listing

vs Other Active Listings

Avg $/sqft

ZIP 08844$301
Somerset County$343

vs Homes Sold Last Month

Median $/sqft

ZIP 08844
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)

No zestimate history available

Price History

DateEventPrice
2026-08-05Pending sale$695,000
2026-07-08Listed for sale$695,000
2008-07-28Sold$332,500

For Sale by Agent

AgentMelissa Jenkins
BrokerageRe/Max Preferred Professionals

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