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186 Penn Harbourton Rd, Pennington, NJ, 08534

3beds
1baths
1,990sqft
$725,000
$364price/sqft
$5,382/moest. monthly cost
$215,280/yrincome needed

About This Home

Located in the desirable Pennington area just off Route 31, 186 Pennington Harbourton Road presents a rare opportunity to own a property that combines residential living with commercial flexibility. Set on a spacious lot, this unique property has historically operated as both a single-family home and a local veterinary office, making it ideally suited for those seeking to operate a veterinary practice, animal boarding facility, grooming business, or other home-based commercial use. The home itself offers a generously sized main floor with hardwood flooring and an open, functional layout, providing comfortable living space with the charm and character of a traditional home. One of the most exciting features is the expansive second floor, which is currently unfinished and ready for customization—offering the potential to significantly expand the residential living area to suit your needs. The commercial component of the property is already in place, with dedicated veterinary-use areas including an examination room, animal boarding spaces, storage areas, heating infrastructure, and outdoor boarding facilities. These existing features provide an excellent foundation for anyone looking to continue or establish an animal care, veterinary, or pet boarding business without starting from scratch. Adding to its value, the property is currently zoned commercial, a rare designation in this section of Pennington that opens the door to a variety of professional and small business uses. With its highly visible and convenient location near Route 31, the property offers easy accessibility for clients while still maintaining the feel of a residential setting. While the home does require some TLC and is being sold strictly as-is, the combination of location, zoning, existing veterinary infrastructure, and expansion potential makes this a truly unique investment and live-work opportunity. Whether you envision reopening a veterinary practice, launching a pet boarding or grooming operation, or creating a home-based business with ample space to grow, 186 Pennington Harbourton Road offers exceptional potential in a prime Pennington location.

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

8/10
6/10
Timberlane Middle SchoolGrades 6-80.2 mi
6/10
Central High SchoolGrades 9-120.3 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Block
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cape Cod
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 3

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,990

Heating & Cooling

  • Heating features: Baseboard,Oil
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,990
  • Total interior livable area: 1,990 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 060006300005
  • Zoning: R100
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Private pool: Yes
  • Pool features: Other,Private

Lot

  • Lot size: 2 Acres
  • Lot size dimensions: 0.00 x 0.00

Parking

  • Parking features: Driveway
  • 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

  • Strong Wind
    Strong WindVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Strong Wind
Inland Flooding
Ice Storm
Winter Weather
Cold Wave
Hurricane
Heat Wave
Lightning

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 $3,665$43,980
Home Insurance *$200$2,400
Property Taxes $1,298$15,576
Electricity $219$2,632
Total$5,382$64,584
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$184,525/yr
40% on housing$161,460/yr
45% on housing$143,520/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: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.8%
-1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$364This listing

vs Other Active Listings

Avg $/sqft

ZIP 08534$277
Mercer County$275

vs Homes Sold Last Month

Median $/sqft

ZIP 08534$323
Mercer County$281

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
2026-03-31Listed for sale$725,000

For Sale by Agent

AgentStefanie Prettyman
BrokerageReal Broker, LLC

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