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32 Ruby St, Springfield, NJ, 07081

4beds
4baths
--sqft
$685,900
--price/sqft
$5,136/moest. monthly cost
$205,440/yrincome needed

About This Home

Welcome to 32 Ruby Street, a beautifully maintained four-bedroom, four-full-bath home in the heart of Springfield, NJ. This spacious residence offers a versatile layout designed for comfort and convenience. The primary bedroom features its own full bathroom and a private entrance directly from the garage, providing both ease of access and privacy. A second entry through the laundry room offers additional access to the main living area. The living and dining room combination is generously sized, providing ample space for a full dining set and living room arrangement perfect for gatherings and entertaining. The kitchen showcases granite countertops, stainless-steel appliances, and an extended layout with a long hallway and large pantry, enhancing both flow and functionality. A fully finished basement adds additional living space that can serve as a recreation area, home office, or guest suite, while the backyard offers plenty of room for outdoor enjoyment. Conveniently located near NJ Transit bus service, the Springfield Park & Ride jitney to Short Hills Train Station, and the Garden State Parkway, this home offers easy access to New York City, shopping, schools, and parks, combining comfort, accessibility, and suburban charm. Underneath the carpet are original hardwood floors.

Getting Around

42
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1961

Materials

  • Roof: Asphalt Shingle
  • Construction materials: Stone

Notable Dates

  • Major remodel year: 2009

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Range/Oven-Gas,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Yes,Finished,Full

Bedroom1

  • Level: First

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedroom4

  • Level: First

Bedrooms & Bathrooms

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

Dining Room

  • Features: Living/Dining Combo
  • Level: First

Features

  • Pantry
  • Flooring: Carpet

Heating & Cooling

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

Kitchen

  • Features: Not Eat-In Kitchen
  • Level: First

Living Room

  • Level: First

Master Bathroom

  • Features: Soaking Tub

Property

Details

  • Parcel number: 2917029020000000430000
  • Zoning description: Res

Lot

  • Lot size: 7,840 sqft
  • Lot size dimensions: 78 x 101

Parking

  • Total spaces: 2
  • Parking features: 2 Car Width,Additional Parking,On Street,Paver Block,Attached Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Uncovered spaces: 2

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
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Winter Weather
Cold Wave
Earthquake
Heat Wave
Ice Storm
Lightning

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 $3,468$41,616
Home Insurance *$176$2,112
Property Taxes $1,299$15,588
Electricity $193$2,318
Total$5,136$61,632
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$176,091/yr
40% on housing$154,080/yr
45% on housing$136,960/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 07081$423
Union County$380

vs Homes Sold Last Month

Median $/sqft

ZIP 07081$418
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
2026-05-11Price change$695,900
2026-04-08Price change$719,999
2025-12-21Price change$729,999
2025-11-06Price change$749,999
2025-11-05Listed for sale$729,999

For Sale by Agent

AgentNativita Warner
BrokerageKeller Williams Premier

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