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89 SE Rose St, Wood Ridge, NJ, 07075

4beds
4baths
2,240sqft
$897,000
$400price/sqft
$6,367/moest. monthly cost
$254,680/yrincome needed

About This Home

*** Wood Ridge Brick Beauty Welcomes You Home*** This 4 BR, 3.5 BA Residence offers Modern Comforts in a Sought-after Neighborhood ~ Light-filled Kitchen showcases Custom Cabinetry, Granite Counters & Spacious Island w/Seating! +SS Appliance Package with 2 Refrigerators! Open Living & Dining Room flows to a Glorious New Sunroom that Steps out onto Pavers. Upstairs offers 4 bedrooms, 2 Full Baths +Laundry & Plenty of Extra Closet Space! Enjoy your Vaulted Primary Suite w/Whirlpool Tub & Separate Shower & Walk-in Closet! The Finished Lower Level, complete w/Kitchenette, Full bath & Private Entry, Creates the Perfect Mini Apartment ~ Great for Guests or Multi-generational Living! Pretty Yard offers Plenty of Room for Flowers & Garden +XL Side Entry 4 Car Driveway behind White Panel Privacy Fencing +Large Storage Shed! w/2-Zone Heat/Central Air ++EZ Commute to NYC, Routes 17, 3 & Turnpike, 5 Mins to Rutherford Train Station! This home is the Perfect Blend of Elegance, Function & Location!

Getting Around

68
WalkingSomewhat Walkable
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

7/10
3/10
Wood Ridge High SchoolGrades 7-120.5 mi

Construction

Condition

  • Year built: 2015

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial, Contemporary, Two Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Gas Range/Oven,Exhaust Fan,Microwave,Refrigerator,Range,Washer,Kitchen Exhaust Fan,Gas Water Heater

Basement

  • Area: 1000

Basement

  • Has basement: Yes
  • Basement: Finished, Bath Full, Bedroom, Other Room(s), Daylight, Exterior Entry, Storage Space, Utility Room, Kitchen

Bathroom

  • Features: Jacuzzi-Type, Stall Shower

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Features: Dining L

Features

  • Blinds,Cathedral Ceiling(s),High Ceilings,Skylight,Vaulted Ceiling(s),Kitchen,Bath Half,Living Room,Den,Storage,Dining Room,Florida Room,4 Bedrooms,Laundry Room,Bath Full,Bath Main,Attic,Additional Bath,Additional Bedroom,Other Room(s)
  • Window features: Screen/Storm Window,Insulated Windows,Blinds,Skylight(s)
  • Flooring: Ceramic Tile,Wood

Heating & Cooling

  • Heating features: Zoned,Forced Air
  • Cooling features: Central Air,Ceiling Fan(s),Zoned

Interior Area

  • Total structure area: 2,240
  • Total interior livable area: 2,240 sqft

Kitchen

  • Features: Granite/Corian Countertops, Breakfast Bar, Kitchen Exhaust Fan, Kitchen Island, Pantry, Eat-in Kitchen, Separate Dining Area

Master Bedroom

  • Features: Full Bath, Walk-In Closet(s)

Property

Details

  • Parcel number: 0315001

Features

  • Levels: One, Two, Three Or More
  • Stories: 2
  • Patio & porch: Porch,Patio,Enclosed
  • Exterior features: Open Porch(es),Curbs,Patio,Screen/Storm Window,Enclosed Porch(es),Sidewalk,Fencing/Wall,Storage Shed,Yard,Insulated Pane Windows
  • Has spa: Yes
  • Spa features: Bath
  • Fencing: Fencing/Wall

Lot

  • Lot size: 5,000 sqft
  • Features: Near Shopping,Near Train,Corner Lot,Level
  • Lot size dimensions: 100.00 x 50.00

Parking

  • Parking features: 2 Car Width,Paver Blocks,Driveway,On Street,Paved
  • 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

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Heat Wave
Winter Weather
Tsunami

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 $4,535$54,420
Home Insurance *$174$2,088
Property Taxes $1,412$16,944
Electricity $246$2,963
Total$6,367$76,404
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$218,297/yr
40% on housing$191,010/yr
45% on housing$169,786/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: 8.7%
8.7%
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

$400This listing

vs Other Active Listings

Avg $/sqft

ZIP 07075$375
Bergen County$633

vs Homes Sold Last Month

Median $/sqft

ZIP 07075$409
Bergen County$452

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
2026-01-09Price change$897,000
2025-10-27Price change$899,000
2025-10-03Listed for sale$989,000

For Sale by Agent

AgentLORRAINE S. TRACY
BrokerageKELLER WILLIAMS WEST MONMOUTH

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