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2 4Th St, Branchville, NJ, 07826

3beds
2baths
1,344sqft
$400,000
$298price/sqft
$3,094/moest. monthly cost
$123,760/yrincome needed

About This Home

Welcome to beautiful Culver Lake, where lake living meets everyday comfort! This well-maintained 3-bedroom, 2 full bath ranch is ideally situated on a desirable corner lot in one of Sussex County's most sought-after lake communities. Offering the ease of one-floor living, this inviting home features a functional layout, spacious rooms, and an attached 2-car garage for added convenience. Enjoy the benefits of deeded lake rights, giving you access to all that Culver Lake has to offer?from swimming, boating, kayaking, and fishing to simply relaxing by the water. Whether you're looking for a year-round residence or the perfect weekend retreat, this home's exceptional location puts you just moments from the lake while providing the privacy and space of a corner property. Don't miss this opportunity to own in the highly desirable Culver Lake community and start enjoying the lake lifestyle you've been dreaming of!

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1976

Materials

  • Roof: Asphalt Shingle
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Carbon Monoxide Detector,Electric Cooktop,Dishwasher,Microwave,Refrigerator,Wall Oven(s) - Electric,Electric Water Heater

Basement

  • Basement: None

Bedroom1

  • Level: First

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedrooms & Bathrooms

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

Dining Room

  • Features: Formal Dining Room
  • Level: First

Features

  • Door features: Storm Door(s)
  • Flooring: Carpet,Laminate,Tile
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Baseboard - Electric,Electric
  • Cooling features: Ceiling Fan(s),Wall Unit(s)

Interior Area

  • Total structure area: 1,344
  • Total interior livable area: 1,344 sqft

Kitchen

  • Features: Eat-in Kitchen
  • Level: First

Living Room

  • Level: First

Master Bathroom

  • Features: Stall Shower

Property

Accessibility

  • Accessibility features: Handicap Modified

Details

  • Parcel number: 2805000890000000040000

Features

  • Patio & porch: Deck

Lot

  • Lot size: 0.34 Acres
  • Features: Corner Lot
  • Lot size dimensions: 75 x 200

Parking

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

  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
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 $2,022$24,264
Home Insurance *$146$1,752
Property Taxes $733$8,796
Electricity $193$2,318
Total$3,094$37,128
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$106,080/yr
40% on housing$92,820/yr
45% on housing$82,506/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: 7.9%
7.9%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.8%
-1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$298This listing

vs Other Active Listings

Avg $/sqft

ZIP 07826$252
Sussex County$266

vs Homes Sold Last Month

Median $/sqft

ZIP 07826$246
Sussex County$279

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
2026-08-12Pending sale$400,000
2026-07-17Listed for sale$400,000
1996-08-16Sold$167,900

For Sale by Agent

AgentDeborah Riska
BrokerageThe Key Real Estate Group

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