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40 Russel Smith #J, Lawrence, NJ, 08648

3beds
3baths
1,600sqft
$454,900
$284price/sqft
$3,448/moest. monthly cost
$137,920/yrincome needed

About This Home

Brand New 1/2 Duplex in Tiffany Woods Development, Great opportunity for first time home buyers/investors. Offers 3 bedrooms 2.5 bathrooms, 3rd floor loft with full bathroom, finished insulated garage, sliders to patio, laminate maintenance free flooring throughout, quartz counter tops, microwave with vent ducted outside, 9' high ceilings on first floor with crown moldings. 10 Year New Home Warranty. Convenient to State offices, transportation and major highways, Quick closing, Taxes to be assessed.

Getting Around

33
WalkingCar-Dependent
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

5/10
Eldridge Park SchoolGrades PK-31.2 mi
8/10
Lawrence Middle SchoolGrades 7-81.5 mi
7/10
Lawrence High SchoolGrades PK,9-121.7 mi

Construction

Condition

  • Property condition: Excellent
  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Roof: Shingle,Rubber
  • Construction materials: Block,Stone,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Exhaust Fan,Microwave,Oven/Range - Gas,Gas Water Heater
  • Laundry features: Upper Level

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 3
  • Main level bedrooms: 3

Features

  • Attic,Bathroom - Tub Shower,Combination Dining/Living,Crown Molding,Dining Area,Kitchen - Galley,Pantry,Recessed Lighting,Walk-In Closet(s),9'+ Ceilings
  • Flooring: Ceramic Tile,Luxury Vinyl,Laminate
  • Finished area below ground: 0
  • Finished area above ground: 1,600

Heating & Cooling

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

Interior Area

  • Total structure area: 1,600
  • Total interior livable area: 1,600 sqft

Property

Accessibility

  • Accessibility features: Other

Details

  • Parcel number: 070020100069
  • Attached to another structure: Yes
  • Zoning: RESIDENTIAL
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Exterior features: Lighting,Rain Gutters,Sidewalks,Street Lights,Other

Lot

  • Lot size: 2,831 sqft
  • Lot size dimensions: 35.00 x 70

Parking

  • Total spaces: 1
  • Parking features: Garage Faces Front,Inside Entrance,Other,Driveway,Attached,Off Site
  • 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

  • Strong Wind
    Strong WindVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Strong Wind
Inland Flooding
Winter Weather
Cold Wave
Earthquake
Hurricane
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 $2,300$27,600
Home Insurance *$140$1,680
Property Taxes $815$9,780
Electricity $193$2,318
Total$3,448$41,376
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$118,217/yr
40% on housing$103,440/yr
45% on housing$91,946/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: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.8%
-1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$284This listing

vs Other Active Listings

Avg $/sqft

ZIP 08648$240
Mercer County$276

vs Homes Sold Last Month

Median $/sqft

ZIP 08648$295
Mercer County$281

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
2026-07-04Listed for sale$454,900
2026-05-01Listing removed$454,900
2025-07-29Price change$454,900
2025-05-21Listed for sale$449,900

New Construction

AgentVJ Satwah
BrokerageMid-Jersey Real Estate

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