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94 W Main St, Ramsey, NJ, 07446

3beds
4baths
--sqft
$975,000
--price/sqft
$6,868/moest. monthly cost
$274,720/yrincome needed

About This Home

Introducing a brand new collection of boutique townhomes offering a perfect blend of modern elegance and timeless design. Each 3 bedoom, 2 full bathroom, and 2 half bathroom residence showcases stunning architectural details, high-end finishes, & a thoughtfully designed layout across 3 spacious levels. The main level features an open-concept living space highlighted by a gourmet kitchen with a large center island, professional-grade stainless steel appliances, & quality cabinetry. The elegant living room boasts a gas fireplace with built-ins, creating a warm and inviting atmosphere for everyday living. The primary suite is conveniently located on this level and includes a walk-in closet & a luxurious en-suite bath with double vanity & spa-style shower adorned with designer tile and fixtures. The upper level offers 2 large bedrooms, a beautifully appointed full bathroom, a large storage closet, & an unfinished bonus room, ideal for a home office, gym, or studio. On the ground level, enjoy the convenience of an attached 1 car garage, a family or flex room, powder room, and laundry/utility area. Outdoor living is elevated with a Trex deck off the main level & a paver patio below. In the heart of Ramsey, just steps from shops, restaurants, and the Ramsey Farmers Market, with a short walk to the train station for an easy NYC commute. Discover refined suburban living at its finest, luxury, location, & lifestyle all in one.

Getting Around

84
WalkingVery Walkable
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

7/10
9/10
Ramsey High SchoolGrades 9-120.6 mi

Construction

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Flooring: Hardwood

Property

Features

  • Patio & porch: Terrace
  • Waterfront features: None

Parking

  • Total spaces: 2
  • Parking features: Garage
  • Attached garage spaces: 1
  • Covered 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Cold Wave
Heat Wave
Lightning
Strong Wind
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 $4,930$59,160
Home Insurance *$210$2,520
Property Taxes $1,535$18,420
Electricity $193$2,318
Total$6,868$82,416
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$235,474/yr
40% on housing$206,040/yr
45% on housing$183,146/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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 07446$568
Bergen County$633

vs Homes Sold Last Month

Median $/sqft

ZIP 07446$426
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
2026-08-18Pending sale$975,000
2026-07-26Listed for sale$975,000
2026-01-14Listing removed$1,150,000
2025-10-31Listed for sale$1,150,000

For Sale by Agent

AgentTaylor Lucyk
BrokerageThe Agency One Rock-Paramus

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