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884 Monmouth Road, Cream Ridge, NJ, 08514

2beds
2baths
1,280sqft
$485,000
$379price/sqft
$3,408/moest. monthly cost
$136,320/yrincome needed

About This Home

Charming 2 bedroom, 1.5 bath home situated on just over an acre of level property in desirable Upper Freehold Township. This inviting property offers a comfortable layout and plenty of outdoor space to enjoy. The expansive lot provides opportunities for gardening, outdoor recreation, hobby farming, or simply enjoying the open space and privacy. Conveniently located near Routes 537 and 539, with easy access to the NJ Turnpike and less than 15 minutes from Six Flags Great Adventure. A unique opportunity to enjoy country living while remaining close to major commuter routes, shopping, dining, and local amenities.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

4/10
Newell Elementary SchoolGrades PK-46.5 mi
8/10
4/10
Allentown High SchoolGrades 9-126.5 mi

Construction

Condition

  • Year built: 1906

Type & Style

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

Interior

Basement

  • Area: 240
  • Dimensions: 16 x 15

Basement

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

Bathroom

  • Area: 54
  • Dimensions: 9 x 6

Bedroom

  • Area: 135
  • Dimensions: 15 x 9

Bedroom

  • Area: 135
  • Dimensions: 15 x 9

Bedrooms & Bathrooms

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

Bonus Room

  • Area: 168
  • Dimensions: 14 x 12

Features

  • Flooring: Linoleum,Vinyl,Laminate,Wood
  • Attic: Attic

Heating & Cooling

  • Heating features: Oil Above Ground,Hot Water,Baseboard
  • Cooling features: None,Other

Interior Area

  • Total structure area: 1,280
  • Total interior livable area: 1,280 sqft

Kitchen

  • Area: 176
  • Dimensions: 16 x 11

Living Room

  • Area: 195
  • Dimensions: 15 x 13

Sunroom

  • Area: 182
  • Dimensions: 26 x 7

Property

Details

  • Parcel number: 510005400000000601
  • Zoning description: Residential, Single Family
  • Exclusions: Personal Property

Features

  • Stories: 2
  • Exterior features: Lighting

Lot

  • Lot size: 1.35 Acres
  • Features: Oversized

Parking

  • Parking features: Gravel,Unpaved,Driveway
  • 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

  • Strong Wind
    Strong WindVery High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hurricane
    HurricaneModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Strong Wind
Heat Wave
Inland Flooding
Ice Storm
Lightning
Winter Weather
Cold Wave
Drought
Hurricane
Wildfire

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 $2,452$29,424
Home Insurance *$145$1,740
Property Taxes $618$7,416
Electricity $193$2,318
Total$3,408$40,896
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$116,845/yr
40% on housing$102,240/yr
45% on housing$90,880/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: 9.2%
9.2%
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

$379This listing

vs Other Active Listings

Avg $/sqft

ZIP 08514$258
Monmouth County$425

vs Homes Sold Last Month

Median $/sqft

ZIP 08514$279
Monmouth County$384

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
2026-06-01Listed for sale$485,000
2023-06-22Sold$375,000
2023-05-18Pending sale$369,000
2023-05-02Listed for sale$369,000
2023-03-24Listing removed--
2023-03-09Contingent$369,000
2023-02-08Pending sale$369,000
2022-11-09Listed for sale$369,000

For Sale by Agent

AgentKyla Niewinski
BrokerageWeichert Realtors

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