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323 ATLANTIC AVENUE #323, Atlantic City, NJ, 08401

5beds
3baths
2,136sqft
$364,900
$171price/sqft
$3,044/moest. monthly cost
$121,760/yrincome needed

About This Home

Spacious and well-maintained 5-bedroom, 2.5-bath home offering 2, 136 sq ft of living space and exceptional value just minutes from the beach, boardwalk, casinos, and restaurants. Ideal for a growing family or first-time buyer, this home by the shore features a functional layout with generously sized rooms and living areas, a kitchen with ample cabinetry, a pantry, a laundry room, and a massive primary bedroom, along with abundant natural light shining through bay windows. Enjoy both a front and back porch, plus a fenced-in yard with rear parking, perfect for relaxing or entertaining. Recent upgrades include new windows, new doors, a newly redone front porch, and a new HVAC system, providing comfort and peace of mind. Located in a quieter section of Atlantic City with ongoing development and investment, this property offers strong potential for personal use, short-term rental, and long-term value.

Getting Around

82
WalkingVery Walkable
44
TransitSome Transit
58
BikeBikeable

Schools

3/10
Pennsylvania Ave SchoolGrades PK-80.5 mi
1/10
Atlantic City High SchoolGrades 9-123.3 mi

Construction

Condition

  • Year built: 1900

Materials

  • Roof: Shingle
  • Construction materials: Block

Type & Style

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

Interior

Appliances

  • Appliances included: Stove,Refrigerator,Washer,Dryer,Microwave
  • Laundry features: Dryer In Unit,Washer In Unit

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bedrooms: 5

Features

  • Dining Area,Kitchen - Table Space
  • Window features: Skylight(s)
  • Flooring: Tile/Brick,Vinyl,Laminated
  • Finished area below ground: 0
  • Finished area above ground: 2,136

Heating & Cooling

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

Interior Area

  • Total structure area: 2,136
  • Total interior livable area: 2,136 sqft

Property

Details

  • Parcel number: 020012400060
  • Zoning: NEIR
  • Exclusions: All personal items

Features

  • Levels: Three Or More

Parking

  • Parking features: Fenced,Other

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 FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Strong Wind
Winter Weather
Cold Wave
Hurricane
Inland Flooding
Lightning
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 $1,845$22,140
Home Insurance *$399$4,788
Property Taxes $565$6,780
Electricity $235$2,825
Total$3,044$36,528
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$104,365/yr
40% on housing$91,320/yr
45% on housing$81,173/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: -2.6%
-2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$171This listing

vs Other Active Listings

Avg $/sqft

ZIP 08401$173
Atlantic County$264

vs Homes Sold Last Month

Median $/sqft

ZIP 08401$173
Atlantic County$228

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
2026-04-02Listed for sale$364,900

For Sale by Agent

AgentHader Rivas Sr.
BrokerageEXP Realty, LLC

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