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138 Lakeside Dr, West, Belvidere, NJ, 07823

2beds
1baths
--sqft
$319,000
--price/sqft
$2,532/moest. monthly cost
$101,280/yrincome needed

About This Home

Enjoy lakefront living on beautiful spring-fed Mountain Lake in this charming 4-season, 2 bedroom cottage. The open great room features a dramatic floor to ceiling stone wood-burning fireplace. Hardwood floors, beamed cathedral ceiling, recessed lighting, ceiling fans and picturesque lake views. Comfort is assured year-round with an efficient mini-split system for heat and air conditioning, oil hot water baseboard heat with 3 zones, and a hot water on demand system. Lower level unfinished basement offers storage area, utilities, room for a workshop and opens to the spacious deck overlooking Mountain Lake. The additional features include main level laundry hook-up, plumbing for a future outdoor shower, and easy access to the lake for boating, fishing, kayaking or simply relaxing by the shore. Mountain Lake offers a boat launch, picnic pavilion and a sandy beach with lifeguard during the summer season. Nature enthusiasts will appreciate the hiking trails near the lake and the close proximity to Jenny Jump State Park. Whether you are looking for a weekend retreat or year round residence, this lakefront property offers the perfect blend of comfort, recreation and natural beauty.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Construction

Condition

  • Year built: 1921

Materials

  • Roof: Asphalt Shingle
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Lakestyle,Cottage
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Carbon Monoxide Detector,Dishwasher,Range/Oven-Electric,Refrigerator,Water Heater From Furnace

Basement

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

Bedroom1

  • Level: First
  • Area: 126

Bedroom2

  • Level: First
  • Area: 132

Bedrooms & Bathrooms

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

Dining Room

  • Features: Living/Dining Combo
  • Level: First
  • Area: 180

Features

  • Entrance Foyer,Utility Room,Walkout
  • Door features: Storm Door(s)
  • Window features: Thermal Windows/Doors,Skylight(s)
  • Flooring: Tile,Vinyl-Linoleum,Wood
  • Number of fireplaces: 1
  • Fireplace features: Insert,Living Room,Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: 1 Unit,Baseboard - Hotwater,Oil Tank Above Ground - Inside
  • Cooling features: 1 Unit,Ceiling Fan(s),Ductless Split AC,See Remarks

Kitchen

  • Features: Breakfast Bar,Separate Dining Area
  • Level: First
  • Area: 100

Living Room

  • Level: First
  • Area: 406

Property

Details

  • Parcel number: 3014000610000000300000

Features

  • Patio & porch: Deck
  • Exterior features: Curbs
  • Has view: Yes
  • View description: Lake/Water View,Mountain(s)
  • Has water view: Yes
  • Water view: Lake/Water View
  • On waterfront: Yes
  • Waterfront features: Lake Front,Waterfront

Lot

  • Lot size: 4,356 sqft
  • Lot size dimensions: 50 x 91 AVG .10 AC

Parking

  • Parking features: On Street
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across New Jersey Counties

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 $1,613$19,356
Home Insurance *$126$1,512
Property Taxes $600$7,200
Electricity $193$2,318
Total$2,532$30,384
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$86,811/yr
40% on housing$75,960/yr
45% on housing$67,520/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: 8.0%
8.0%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -3.4%
-3.4%
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 07823$193
Warren County$223

vs Homes Sold Last Month

Median $/sqft

ZIP 07823$215
Warren County$238

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
2026-07-23Price change$319,000
2026-06-10Listed for sale$325,000
2025-12-16Listing removed$325,000
2025-08-24Listed for sale$325,000

For Sale by Agent

AgentSusan M. Backer
BrokerageColdwell Banker Realty

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