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23 Ralph St, Belleville Township, NJ, 07109

4beds
4baths
3,021sqft
$819,000
$271price/sqft
$6,152/moest. monthly cost
$246,080/yrincome needed

About This Home

Beautiful new construction situated in the town of Belleville an area undergoing significant redevelopment. This home is modern bright and sunny with open concept kitchen with center island,dining and living room with fireplace. The main level family room with full bath and deck can be used as a primary bedroom. The second floor features a primary suite with full bath and two additional bedrooms with connected full bath. There is also a full coffee bar with undercounter fridge and sink. The lower level includes laundry room, full bath and large family/rec room with large wet bar and plenty of storage. This home is custom built with only top of the line materials and a must see to fully appreciated.

Getting Around

80
WalkingVery Walkable
0
TransitVery Limited Transit
44
BikeSomewhat Bikeable

Schools

3/10
Belleville PS8Grades PK-60.5 mi
3/10
Belleville Middle SchoolGrades 7-80.2 mi
2/10
Belleville Sr High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 2025

Materials

  • Roof: Asphalt Shingle
  • Construction materials: Stone,Wood Shingle

Type & Style

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

Interior

Appliances

  • Appliances included: Carbon Monoxide Detector,Dishwasher,Dryer,Kitchen Exhaust Fan,Microwave,Range/Oven-Gas,Washer,Gas Water Heater

Basement

  • Features: GarEnter,Laundry

Basement

  • Has basement: Yes
  • Basement: Yes,Finished,French Drain,Full,Sump Pump

Bedroom1

  • Level: Second
  • Area: 252

Bedroom2

  • Level: Second
  • Area: 195

Bedroom3

  • Level: Second
  • Area: 169

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 4

Dining Room

  • Features: Formal Dining Room
  • Level: First
  • Area: 187

Family Room

  • Level: Ground
  • Area: 221

Features

  • Flooring: Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: 2 Units,Natural Gas
  • Cooling features: 2 Units,Attic Fan

Interior Area

  • Total structure area: 3,021
  • Total interior livable area: 3,021 sqft

Kitchen

  • Features: See Remarks
  • Level: First
  • Area: 200

Living Room

  • Level: First
  • Area: 156

Property

Details

  • Parcel number: 1601095010000000270002

Features

  • Patio & porch: Deck

Lot

  • Lot size: 3,049 sqft
  • Features: Level,Open Lot
  • Lot size dimensions: 32 x 92.57

Parking

  • Total spaces: 2
  • Parking features: 1 Car Width,Enclosed,On Street,Paver Block,Attached Garage,Garage Door Opener,Oversized,Tandem
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Inland Flooding
    Inland FloodingVery 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 $4,141$49,692
Home Insurance *$245$2,940
Property Taxes $1,433$17,196
Electricity $333$3,996
Total$6,152$73,824
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$210,925/yr
40% on housing$184,560/yr
45% on housing$164,053/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

$271This 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)

No zestimate history available

Price History

DateEventPrice
2026-08-11Pending sale$819,000
2026-07-24Price change$819,000
2026-07-06Listed for sale$839,000
2026-06-16Pending sale$839,000
2026-06-09Listed for sale$839,000
2026-03-05Pending sale$839,000
2025-12-15Listed for sale$839,000

For Sale by Agent

AgentLinda Nelson
BrokerageElite Realtors Of New Jersey

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