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15 River Dr, Wharton, NJ, 07885

3beds
1baths
1,134sqft
$265,000
$234price/sqft
$2,019/moest. monthly cost
$80,760/yrincome needed

About This Home

Big charm, smart value, and endless potential in the heart of Jefferson Township! This inviting beige Cape Cod offers more than meets the eye, delivering a warm and functional layout perfect for today's lifestyle. The sun-filled main level welcomes you with a bright, spacious living room that flows seamlessly into a delightful dining area ideal for both everyday living and entertaining. An efficient country kitchen provides a cozy and practical space to cook and gather, while the majestic main-level primary bedroom and full bath offer convenience and comfort. Upstairs, you'll find two additional bedrooms, perfect for guests, home office space, or creative use. The lower level features high ceilings, garage access, and a walk-out to the backyard presenting a fantastic opportunity to create additional living space, a recreation area, or workshop tailored to your needs. Enjoy all that Jefferson Township has to offer, including close proximity to the beautiful Lake Hopatcong New Jersey's largest lake offering boating, fishing, and waterfront dining. Outdoor enthusiasts will love nearby parks, hiking trails, and recreational facilities, while convenient access to major roadways, shopping, dining, and local schools makes everyday living a breeze. While the home could benefit from some updates, it's a true value-add opportunity with tremendous upside for buyers ready to bring their vision to life. Charming Cape is packed with potential and ready for its next chapter!

Getting Around

16
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

7/10
4/10
Jefferson Twp High SchoolGrades 9-125.2 mi

Construction

Condition

  • Year built: 1950

Materials

  • Roof: Asphalt Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

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

Basement

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

Bedroom1

  • Level: First

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Features: Living/Dining Combo
  • Level: First

Features

  • Bathroom
  • Flooring: Laminate

Heating

  • Heating features: 1 Unit,Gas-Propane Leased

Interior Area

  • Total structure area: 1,134
  • Total interior livable area: 1,134 sqft

Kitchen

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

Living Room

  • Level: First

Property

Details

  • Parcel number: 2314002700000000020019

Lot

  • Lot size: 8,276 sqft
  • Lot size dimensions: 0.189 AC

Parking

  • Total spaces: 1
  • Parking features: 1 Car Width,Dirt,Built-In Garage,Underground
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Uncovered 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

  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Inland Flooding
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 $1,339$16,068
Home Insurance *$81$972
Property Taxes $406$4,872
Electricity $193$2,318
Total$2,019$24,228
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$69,222/yr
40% on housing$60,570/yr
45% on housing$53,840/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: 6.8%
6.8%
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

$234This listing

vs Other Active Listings

Avg $/sqft

ZIP 07885$303
Morris County$395

vs Homes Sold Last Month

Median $/sqft

ZIP 07885$326
Morris County$367

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
2026-08-10Pending sale$265,000
2026-07-01Price change$265,000
2026-05-29Price change$275,000
2026-05-21Listed for sale$285,000
2026-05-07Pending sale$285,000
2026-04-22Listed for sale$285,000

For Sale by Agent

AgentSteven Caputi
BrokerageVri Homes

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