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428 Livingston St, Elizabeth, NJ, 07206

7beds
4baths
3,000sqft
$790,000
$263price/sqft
$5,709/moest. monthly cost
$228,360/yrincome needed

About This Home

This well-located legal two unit home offers an exceptional combination of space, versatility, and convenience, making it an outstanding opportunity for homeowners and investors alike. Situated on a quiet residential street, the property features an impressive layout with eight spacious bedrooms and four full bathrooms, providing ample room for extended living space or rental income potential.The home includes a fully finished basement and an expanded, finished attic, creating phenomenal additional living space that can be used as family rooms, home offices, recreation areas, guest quarters, or other flexible living arrangements. These bonus areas significantly enhance the home's functionality and overall appeal.The common hallways have been freshly painted, giving the property a clean, well-maintained appearance. Outside, you'll find a generously sized backyard, perfect for entertaining, gardening, outdoor activities, or simply relaxing in a private setting.Conveniently located near schools, shopping, public transportation, parks, and major roadways, this spacious two-family residence combines comfort, practicality, and an excellent location. Whether you're looking for a primary residence with income-producing potential or a valuable investment property, this home is ready to meet a variety of needs.

Getting Around

88
WalkingVery Walkable
33
TransitSome Transit
50
BikeBikeable

Construction

Condition

  • Year built: 1940

Materials

  • Roof: Asphalt Shingle
  • Construction materials: Vinyl Siding

Notable Dates

  • Major remodel year: 2016

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Range/Oven - Gas,Refrigerator,Gas Water Heater

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Bedrooms,Eat-in Kitchen,Family Room,Eat-In Kitchen,Rec Room

Heating

  • Heating features: 2 Units,Natural Gas,Solar-Leased

Interior Area

  • Total structure area: 3,000
  • Total interior livable area: 3,000 sqft

Property

Details

  • Parcel number: 2904006760000000110000
  • Zoning description: Residential
  • Exclusions: Personal property

Features

  • Levels: 3-Three Story
  • Stories: 3
  • Fencing: Privacy

Lot

  • Lot size: 2,613 sqft
  • Features: Level
  • Lot size dimensions: 25 x 100

Parking

  • Parking features: None

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
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Heat 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 $3,994$47,928
Home Insurance *$266$3,192
Property Taxes $1,119$13,428
Electricity $330$3,968
Total$5,709$68,508
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$195,737/yr
40% on housing$171,270/yr
45% on housing$152,240/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: 8.2%
8.2%
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

$263This listing

vs Other Active Listings

Avg $/sqft

ZIP 07206$321
Union County$380

vs Homes Sold Last Month

Median $/sqft

ZIP 07206$307
Union County$416

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
2026-07-27Listed for sale$790,000
2018-11-14Listing removed$349,900
2018-08-10Listed for sale$349,900
2018-08-10Pending sale$349,900
2018-05-03Listed for sale$349,900
2016-02-02Listing removed$250,000
2015-09-10Listed for sale$250,000
2009-06-01Sold$208,000
2007-08-29Sold$440,000
2007-01-03Sold$320,000
2005-06-27Sold$352,500
2000-12-15Sold$55,000
1996-08-05Sold$85,000
1996-05-10Sold$10,000

For Sale by Agent

AgentJorge A. Fernandez Cabrales
BrokerageExit All State Realty

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