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514 Deluca Rd, Belleville, NJ, 07109

2beds
3baths
--sqft
$510,000
--price/sqft
$3,815/moest. monthly cost
$152,600/yrincome needed

About This Home

Beautiful North-Facing Montclair Model in Essex Park. This bright and inviting Montclair unit offers a terrific open floor plan filled with natural light. The first-floor features hardwood floors, a spacious living room with large windows, a dedicated dining area, a well-appointed kitchen with a breakfast counter, a full bathroom, and direct access to the garage. The second floor includes two generously sized bedrooms, including a primary suite with a walk-in closet and full bath. An additional full bathroom is conveniently located in the hallway. The property is equipped with an electric vehicle charging port, which is installed in the garage and ready to use. Located in a desirable gated community directly across from Hendricks Field Golf Course, Essex Park offers outstanding amenities including an outdoor swimming pool, clubhouse, and easy access to NYC transportation and shopping.

Getting Around

61
WalkingSomewhat Walkable
0
TransitVery Limited Transit
46
BikeSomewhat Bikeable

Schools

5/10
Belleville PS10Grades PK-60.3 mi
3/10
Belleville Middle SchoolGrades 7-81.1 mi
2/10
Belleville Sr High SchoolGrades 9-120.6 mi

Construction

Materials

  • Construction materials: Brick,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Flooring: Hardwood,Carpet

Heating & Cooling

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

Property

Features

  • Stories: 2
  • Has view: Yes
  • View description: North
  • Waterfront features: None

Lot

  • Features: Regular

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
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Heat Wave
Strong Wind
Winter Weather

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 $2,578$30,936
Home Insurance *$152$1,824
Property Taxes $892$10,704
Electricity $193$2,318
Total$3,815$45,780
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$130,800/yr
40% on housing$114,450/yr
45% on housing$101,733/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: 7.4%
7.4%
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 07109$309
Essex County$382

vs Homes Sold Last Month

Median $/sqft

ZIP 07109$378
Essex County$391

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
2026-06-19Listed for sale$510,000
2022-07-18Sold$385,000
2022-06-02Pending sale$379,000
2022-05-26Contingent$379,000
2022-04-26Listed for sale$379,000

For Sale by Agent

AgentDilip Luthra
BrokerageRealty Mark Central

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