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177 Victor St, Scotch Plains, NJ, 07076

4beds
3baths
--sqft
$659,900
--price/sqft
$4,780/moest. monthly cost
$191,200/yrincome needed

About This Home

Your Scotch Plains Sanctuary Awaits. Nestled at the quiet end of a peaceful dead-end street, this stunning 4-bedroom, 2.5-bath Colonial in Scotch Plains offers the perfect blend of suburban tranquility and modern convenience. From the moment you arrive, you'll notice the extensive care put into the home, with a long list of both interior and exterior updates that make it truly move-in ready. The floor plan is designed for effortless living, featuring spacious rooms, a dedicated garage and driveway, and the year-round comfort of central air. For those dreaming of even more space, the full unfinished basement serves as a blank canvas, ready to be transformed into a home gym, recreation room, or expansive storage suite. Outdoor enthusiasts and entertainers will fall in love with the impressive 60 x 110 backyard. This oversized lot provides a rare amount of level green space, ideal for hosting summer barbecues, milestone celebrations, or simply enjoying a private afternoon in the sun. Beyond the property lines, you are perfectly positioned within a highly desirable community known for its strong school systems and incredible local amenities. Whether you are looking for a quick commute or easy access to nearby shopping and dining, this location delivers it all. This property qualifies for all types of financing, is vacant, immediately available, and easy to show. Don't miss the chance to move right in and start your next chapter in this exceptional Scotch Plains gem.

Getting Around

57
WalkingSomewhat Walkable
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1977

Materials

  • Roof: Asphalt Shingle
  • Construction materials: See Remarks

Type & Style

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

Interior

Appliances

  • Appliances included: See Remarks

Basement

  • Has basement: Yes
  • Basement: Yes,Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Kitchen

  • Features: Eat-in Kitchen

Property

Details

  • Parcel number: 2916048020000000060000

Lot

  • Lot size: 7,405 sqft
  • Features: Level
  • Lot size dimensions: 000.165 AC

Parking

  • Total spaces: 1
  • Parking features: 1 Car Width,Attached Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 FloodingVery High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
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 $3,336$40,032
Home Insurance *$135$1,620
Property Taxes $1,116$13,392
Electricity $193$2,318
Total$4,780$57,360
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$163,885/yr
40% on housing$143,400/yr
45% on housing$127,466/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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 07076$541
Union County$380

vs Homes Sold Last Month

Median $/sqft

ZIP 07076$423
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
2026-05-04Listed for sale$719,900
2025-02-26Listing removed$4,600
2025-02-05Listed for rent$4,600
2023-07-27Listing removed--
2023-07-24Price change$3,800
2023-07-15Listed for rent$4,000
2020-12-18Listing removed$607,000
2020-10-16Price change$607,000
2020-10-06Listed for sale--
2018-06-01Listing removed$2,300
2018-05-23Listed for rent$2,300
2017-04-20Sold$1,000
2005-02-16Sold$382,000

For Sale by Agent

AgentPatrick Fox Jr
BrokerageAmerican Realty Services Group

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