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88 N 2nd St, Paterson, NJ, 07522

4beds
2baths
0sqft
$399,999
--price/sqft
$3,161/moest. monthly cost
$126,440/yrincome needed

About This Home

Move right into this beautifully maintained and spacious 4 Bed 1.5 Bath 1/2 Duplex in centrally located Paterson! Step right in to find a large, light and bright living room with luxury laminate flooring, recessed lighting, tons of natural light, and a crisp neutral palette that is easy to customize. Beautifully upgraded eat-in-kitchen will delight any home chef, offering sleek SS Appliances, gorgeous tiled flooring, upgraded counter tops that shine, ample cabinet storage, a center island that is ideal for gathering, and a slider to the rear deck for easy al fresco dining. Convenient 1/2 bath rounds out the main level of this gem. Head upstairs to find all the generously sized bedrooms along with the main full bath with tub shower. Finished walk-out basement is an added bonus, boasting a large, versatile rec room. Outdoor area features a deck and sizable yard space, fenced-in for your comfort. All in a prime commuter location, just steps to the public transit bus line, easy access to major roads, close to shopping, dining and more. Don't miss out! Come and see TODAY!

Getting Around

71
WalkingVery Walkable
48
TransitSome Transit
24
BikeSomewhat Bikeable

Schools

3/10
School 12Grades K-80.1 mi
1/10
Newcomers High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1996

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily
  • Architectural style: 1/2 Duplex
  • Property subType: Half Duplex

Interior

Appliances

  • Appliances included: Gas Range/Oven,Gas Water Heater

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Finished, Daylight, Exterior Entry, Recreation Room, Interior Entry

Bathroom

  • Features: Tub Shower

Bedrooms & Bathrooms

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

Dining Room

  • Features: Living Dining Combo

Features

  • Kitchen,Bath Half,Living Room,4 Bedrooms,Bath Full,None,Other Room(s)
  • Flooring: Ceramic Tile,Laminate,Wood

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0

Kitchen

  • Features: Granite/Corian Countertops, Kitchen Island, Eat-in Kitchen

Property

Details

  • Parcel number: 000000000000

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Porch,Deck
  • Exterior features: Open Porch(es),Deck,Fencing/Wall,Yard
  • Fencing: Fencing/Wall

Lot

  • Features: Near Shopping,Level,Near Public Transit
  • Lot size dimensions: 0.00 x 0.00

Parking

  • Parking features: 2 Car Width,Additional Parking
  • 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

  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Strong Wind
Winter Weather

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 $2,022$24,264
Home Insurance *$193$2,316
Property Taxes $753$9,036
Electricity $193$2,318
Total$3,161$37,932
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,377/yr
40% on housing$94,830/yr
45% on housing$84,293/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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 07522$295
Passaic County$341

vs Homes Sold Last Month

Median $/sqft

ZIP 07522$288
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
2026-07-27Price change$399,999
2026-06-24Listed for sale$425,000

For Sale by Agent

AgentROBERT DEKANSKI
BrokerageRE/MAX 1st ADVANTAGE

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