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81 Lafayette Cir #81, Totowa, NJ, 07512

4beds
4baths
7,270sqft
$999,999
$138price/sqft
$7,970/moest. monthly cost
$318,800/yrincome needed

About This Home

Majestic brick colonial, corner unit, 4 bedrooms, 2 full baths and 2 powder rooms, offers a total of apx. 3800 sq. ft. of modern living space( 1st. & 2nd levels, apx. 2550 sq. ft., finished basement addl. apx. 1275 sq. ft) This home is nested in a private and tranquil setting, beautifully landscaped with 9 ' first floor ceilings, crown moldings, eat-in kitchen that leads to an oversized deck, master suite with Jacuzzi style tub and separate shower stall, tray ceiling & lots of closets.Home is located in the desirable, gated, Hickory Hill Community, 24 hr. security, club house with kitchen facility, heated in ground pool, exercise room, close to all major highways, golf course down the road and very convenient NYC transportation, bus comes in front of the community.Come see this beautiful home and make it your own!

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

5/10
3/10
Memorial Middle SchoolGrades PK-31.0 mi

Construction

Condition

  • Year built: 2004

Materials

  • Roof: Asphalt Shingle
  • Construction materials: Brick,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Carbon Monoxide Detector,Dishwasher,Disposal,Microwave,Range/Oven-Gas,Refrigerator,Self Cleaning Oven,Electric Water Heater

Basement

  • Features: Bath(s) Other, Exercise Room, Family Room

Basement

  • Has basement: Yes
  • Basement: Yes,Finished,Full,Sump Pump

Bedroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Ground

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Entrance Foyer,Pantry,Exercise Room
  • Flooring: Carpet,Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Family Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: 1 Unit,Forced Air,Zoned,Natural Gas
  • Cooling features: 1 Unit,Central Air,Zoned

Interior Area

  • Total structure area: 7,270
  • Total interior livable area: 7,270 sqft

Kitchen

  • Features: Kitchen Island,Eat-in Kitchen
  • Level: First

Living Room

  • Level: First

Master Bathroom

  • Features: Stall Shower

Property

Details

  • Parcel number: 2512000090008000310000
  • Exclusions: None

Features

  • Private pool: Yes
  • Pool features: Outdoor Pool,Association,Heated,In Ground
  • Patio & porch: Deck
  • Exterior features: Underground Lawn Sprinkler
  • Has spa: Yes
  • Spa features: Bath
  • Fencing: Privacy

Lot

  • Lot size: 7,405 sqft
  • Features: Corner Lot,Cul-De-Sac,Level
  • Lot size dimensions: 0.167 ACRE

Parking

  • Total spaces: 2
  • Parking features: 2 Car Width,Asphalt,Common,Driveway-Exclusive,Attached Garage,Attached Carport,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 2
  • Carport: 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

  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Strong Wind
Winter Weather
Cold Wave
Earthquake
Hurricane
Heat Wave
Tornado

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 $5,056$60,672
Home Insurance *$230$2,760
Property Taxes $1,883$22,596
Electricity $801$9,616
Total$7,970$95,640
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$273,257/yr
40% on housing$239,100/yr
45% on housing$212,533/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: 10.5%
10.5%
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

$138This listing

vs Other Active Listings

Avg $/sqft

ZIP 07512$452
Passaic County$341

vs Homes Sold Last Month

Median $/sqft

ZIP 07512$394
Passaic County$345

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
2026-07-17Price change$999,999
2026-06-19Price change$1,150,000
2026-06-02Listed for sale$1,250,000

For Sale by Agent

AgentIrene Szeglin
BrokerageRe/Max Select

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