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115 Charles St Floor 2, Jersey City, NJ, 07307

4beds
4baths
2,100sqft
$1,299,000
$619price/sqft
$8,760/moest. monthly cost
$350,400/yrincome needed

About This Home

Welcome to 115 Charles, Unit 2, a stunning 4-bedroom, 3.1-bathroom duplex condo offering over 2,100 sqft of luxurious living space. Located in Jersey City Heights, this residence is conveniently close to the 9th Street Light Rail, Riverview-Fisk Park, Hoboken, and the vibrant dining scene along Palisade Avenue. Designed with timeless finishes and high-end fixtures, this home offers cutting-edge technology for modern living. The main level features an expansive open-concept dining and living area with oversized Andersen windows, creating a bright, airy atmosphere. A realistic flame fireplace with a tempered glass accent wall makes a bold statement. The chef’s kitchen includes two-tone cabinetry, Thermador appliances, a paneled refrigerator and dishwasher, a 5-burner range, warming drawer, and a waterfall quartz island with West Elm accent lighting, a porcelain backsplash, pot filler, and externally vented hood. The first floor also includes a beautifully appointed powder room with warm accent lighting. Upstairs, the XL primary suite offers a serene retreat with custom wood-tone millwork, bedside pendant lighting, a walk-in closet with built-ins, and a private balcony. The spa-like en-suite bath boasts modern natural tones, an oversized double vanity, pendant lighting, and a luxurious shower with multiple Kohler body sprays and a rainfall showerhead. Two additional XL bedrooms feature custom closets with built-ins and share an elegant full bathroom with double vanity, soaking tub, rainfall showerhead, body sprays, and floor-to-ceiling tilework. An extra primary suite with custom closets and a full bathroom completes the upper level. The upstairs also includes a separate laundry room with top-of-the-line washer and dryer. A recessed lit staircase leads to an entertainment zone featuring a wet bar with custom cabinetry, a backlit designer backsplash, and a wine fridge. Step outside to a rare full-length rooftop with sweeping views of the NYC skyline. This outdoor space includes premium astroturf and Trex decking, as well as hookups for gas, electric, and water—perfect for entertaining.This smart home is equipped with Google Nest doorbell, security cameras, smart thermostat, touchscreen light switches, and dimmers, all controlled via smartphone. The property includes side-by-side parking in a private driveway. The home is completed with Blue Chip Properties' signature exterior facade, recessed driveway, and professional landscaping. Also qualifies for 5-year tax abatement. Sqft are approx. Don’t miss the chance to own this exceptional residence in one of Jersey City’s most desirable neighborhoods.

Getting Around

92
WalkingWalker's Paradise
63
TransitGood Transit
73
BikeVery Bikeable

Construction

Materials

  • Construction materials: Aluminum Siding,Brick

Type & Style

  • Home type: Condo
  • Architectural style: Contemporary,Townhouse
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Washer/Dryer,Gas Oven

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Fireplace,Private Roof Top,1 Other Room
  • Flooring: Hardwood
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 2,100
  • Total interior livable area: 2,100 sqft

Property

Parking

  • Parking features: 1 Car

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

  • Heat Wave
    Heat WaveRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Cold Wave
Inland Flooding
Strong Wind
Winter Weather
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 $6,568$78,816
Home Insurance *$273$3,276
Property Taxes $1,688$20,256
Electricity $231$2,777
Total$8,760$105,120
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$300,342/yr
40% on housing$262,800/yr
45% on housing$233,600/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: 9.6%
9.6%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.5%
-1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$619This listing

vs Other Active Listings

Avg $/sqft

ZIP 07307$510
Hudson County$473

vs Homes Sold Last Month

Median $/sqft

ZIP 07307$590
Hudson County$411

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
2026-04-16Listed for sale$1,349,000

For Sale by Agent

AgentJOHN W POGGIOGALLE
BrokerageNEW AND MODERN GROUP LLC

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