See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

186 Terhune Ave #C-20, Lodi, NJ, 07644

2beds
1baths
--sqft
$319,999
--price/sqft
$2,395/moest. monthly cost
$95,800/yrincome needed

About This Home

Welcome to this Charming 2BR, 1BA condo at 186 Terhune Ave, Lodi NJ. Move in ready and full of light. Enjoy an open living space with easy flow layout, bright bedrooms, and a clean, well appointed bathroom. Perfect for first time buyers, downsizers, or investors. Community perks include an on site pool, convenient laundry facilities, assigned parking, and well kept grounds. Located steps from local shops and eateries and minutes from public transportation for easy commutes. Schedule a showing today for this great value in a prime, walkable Lodi location.

Getting Around

75
WalkingVery Walkable
48
TransitSome Transit
40
BikeSomewhat Bikeable

Schools

6/10
Hilltop Elementary SchoolGrades PK-50.4 mi
7/10
4/10
Lodi High SchoolGrades 9-121.7 mi

Construction

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Basement

  • Has basement: Yes
  • Basement: Storage

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Property

Features

  • Waterfront features: None

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 WaveModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
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 $1,618$19,416
Home Insurance *$81$972
Property Taxes $503$6,036
Electricity $193$2,318
Total$2,395$28,740
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$82,114/yr
40% on housing$71,850/yr
45% on housing$63,866/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: 8.7%
8.7%
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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 07644$327
Bergen County$633

vs Homes Sold Last Month

Median $/sqft

ZIP 07644$428
Bergen County$452

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
2026-05-05Listed for sale$345,000

For Sale by Agent

AgentIsaias Rodriguez
BrokerageReal

Similar Homes