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946 Emma St, Elizabeth, NJ, 07201

8beds
3baths
0sqft
$795,000
--price/sqft
$5,884/moest. monthly cost
$235,360/yrincome needed

About This Home

Excellent investment opportunity! This well-maintained property offers a finished attic with a separate entrance, providing valuable additional living space with endless possibilities. The spacious basement features high ceilings and ample room for storage, recreation, or potential future finishing. Generous room sizes throughout enhance the home's functionality and appeal. Conveniently located near schools, shopping, public transportation, major highways, and local amenities. Ideal for investors or owner-occupants seeking a property with added space and strong potential. A must-see!

Getting Around

77
WalkingVery Walkable
52
TransitGood Transit
52
BikeBikeable

Schools

8/10
Elizabeth High SchoolGrades 9-120.6 mi
4/10
T Jefferson Arts AcademyGrades 9-120.6 mi

Construction

Condition

  • Year built: 1915

Materials

  • Roof: Asphalt

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Exhaust Fan,Refrigerator,Washer,Kitchen Exhaust Fan,Gas Water Heater

Basement

  • Area: 0

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 8
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • 3 Bedrooms,Kitchen,Living Room,Bath Full,Laundry Room,2 Bedrooms
  • Flooring: Vinyl-Linoleum,Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 0

Kitchen

  • Features: Granite/Corian Countertops, Kitchen Exhaust Fan, Kitchen Island, Eat-in Kitchen

Property

Details

  • Parcel number: 2904005640000000040000

Features

  • Levels: Three Or More
  • Stories: 3

Lot

  • Lot size dimensions: 0.00 x 0.00

Parking

  • Total spaces: 1
  • Parking features: 3 Cars Deep,Garage,Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes

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
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
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 $4,019$48,228
Home Insurance *$328$3,936
Property Taxes $1,344$16,128
Electricity $193$2,318
Total$5,884$70,608
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$201,737/yr
40% on housing$176,520/yr
45% on housing$156,906/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 07201$304
Union County$380

vs Homes Sold Last Month

Median $/sqft

ZIP 07201$340
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)

No zestimate history available

Price History

DateEventPrice
2026-08-11Pending sale$795,000
2026-06-25Listed for sale$795,000
2024-10-31Sold$650,000
2024-08-13Pending sale$599,000
2024-07-25Listed for sale$599,000

For Sale by Agent

AgentKATHERINE VILLA
BrokeragePREMIER HOME PROS

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