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714-720 Harding Hwy, Penns Grove, NJ, 08069

4beds
2baths
3,100sqft
$349,900
$113price/sqft
$2,957/moest. monthly cost
$118,280/yrincome needed

About This Home

Price Reduction! Located on the lake. Here is your opportunity to grab this property and turn a vision into reality. Too many upgrades to fully cover. Zoned commercial, this 3100 square foot property has previously been the home of Lakeview Financial Center, which housed an accountant, an estate planner, a financial consultant and an insurance agency. Consider converting back to a residential home with buyer's responsible to verify thru township on requirements to do so. HVAC system 3 years new. Plenty of space here for 3 businesses with 2 front entrances and a 3rd side handicap entrance through the lower level, all sections are equipped with special lock out features, making each a secured work space. Excellently maintained, the sellers have paid attention to every detail with custom quality enhancements, to include accent wooden trimmings, solid wooden doors, customized pocket doors, commercial porcelain tile and handwoven wool carpeting. Accenting certain rooms are decorative, hand made stained crystal and etched glass windows, The location is fully wired for cable and custom wired for commercial use with fax, phones and ethernet all centrally located in the server closet and the property protected with a SimpliSafe security system. Property has public water and an existing well that is not in use. Septic System in place but could hook up to city sewer if so inclined. Kitchenette area complete with dishwasher, with ability to convert to a full kitchen. Included in the sale is also 718 Harding and 720 Harding for a total of 3 parcels. The total package offers an additional boat house with acreage, and it's own private shore-line access to locally infamous "Game Creek", a natural spring fed small lake governmentally stocked regularly with fish and known for it's free access to kayaking, canoeing, a place where local anglers experience South Jersey fresh water game fishing, at it's finest. ***What a Prime Location***. This split level is found nestled in the natural environment of a rural Salem County, approximately 1/4 mile east of Interstate 295 at exits north and south at milepost #4, on Route #48 (Harding Highway) location makes this a great opportunity to buy, in a high sought-after and quickly transforming commercial environment, priced right! Sold as is with Buyer responsible for any and all certifications and repairs and any zoning requirements by the township, if any. Schedule your tour and experience all that # 714-720 Harding Highway has to offer. Commercial Listing MLS #NJSA2011798

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

3/10
4/10
Penns Grove High SchoolGrades 9-121.8 mi

Construction

Condition

  • Property condition: Good,Very Good
  • Year built: 1965

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Block

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 4

Features

  • Door features: Six Panel,Sliding Glass,Storm Door(s),ENERGY STAR Qualified Doors
  • Finished area above ground: 3,100

Heating & Cooling

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

Interior Area

  • Total structure area: 3,100
  • Total interior livable area: 3,100 sqft

Property

Accessibility

  • Accessibility features: Mobility Improvements,Entry Slope <1'

Details

  • Parcel number: 020024900004
  • Zoning: COM/RES
  • Special condition: Standard

Features

  • Levels: Bi-Level,Two
  • Stories: 2
  • Pool features: None
  • Has view: Yes
  • View description: Pond
  • Has water view: Yes
  • Water view: Pond
  • On waterfront: Yes
  • Frontage length: Water Frontage Ft: 150

Lot

  • Lot size: 3.39 Acres
  • Lot size dimensions: 165.00 x 85.00

Parking

  • Parking features: Parking Lot

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 FloodingVery High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Ice Storm
Strong Wind
Winter Weather
Drought
Earthquake
Heat Wave
Inland Flooding
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 $1,769$21,228
Home Insurance *$209$2,508
Property Taxes $638$7,656
Electricity $341$4,100
Total$2,957$35,484
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$101,382/yr
40% on housing$88,710/yr
45% on housing$78,853/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: 6.1%
6.1%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 0.8%
0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$113This listing

vs Other Active Listings

Avg $/sqft

ZIP 08069$114
Salem County$173

vs Homes Sold Last Month

Median $/sqft

ZIP 08069$190
Salem County$196

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
2026-02-14Price change$349,900
2026-01-13Listed for sale$399,000

For Sale by Agent

AgentJoe Venello
BrokerageAmerican Dream Realty of South Jersey

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