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404-404 Elm St, Cranford, NJ, 07016

3beds
2baths
0sqft
$650,000
--price/sqft
$4,721/moest. monthly cost
$188,840/yrincome needed

About This Home

This move-in ready home offers the perfect blend of timeless charm and modern convenience. The newly renovated kitchen features granite countertops, a stylish tile backsplash, LED lighting, stainless steel appliances, pantry, creating a bright and functional space for everyday living and entertaining. French doors lead into the inviting living and dining rooms, where new luxury vinyl plank flooring flows throughout, adding warmth and durability. Upstairs, you'll find three spacious bedrooms with all new flooring throughout, ample closet space, a full bath, and a versatile bonus den that's ideal for a home office, playroom, or reading nook. Outside, enjoy a large driveway with additional on-street parking and a private deck overlooking a beautifully landscaped backyard filled with botanical and natural plantings. Ideal setting for relaxing or entertaining. Located in the heart of beautiful, historic Cranford, this home offers easy suburban living with convenient access to award-winning downtown shopping, restaurants, parks, and highly regarded schools. Commuters will appreciate the convenient access to major highways and public transportation, making travel to surrounding areas simple and efficient. Move right in and enjoy all that this exceptional home and vibrant community have to offer!

Getting Around

77
WalkingVery Walkable
0
TransitVery Limited Transit
69
BikeBikeable

Schools

7/10
Hillside Ave SchoolGrades K-80.2 mi
8/10
Cranford Sr High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1919

Materials

  • Roof: Asphalt

Type & Style

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

Interior

Appliances

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

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Partial, Storage Space, Workshop, Laundry Facilities

Bathroom

  • Features: Stall Shower and Tub, Stall Shower

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Living Dining Combo

Features

  • Blinds,Firealarm,Shades-Existing,Kitchen,Living Room,Bath Full,Dining Room,Florida Room,3 Bedrooms,Other Room(s),Attic,Den/Study
  • Window features: Blinds,Shades-Existing
  • Flooring: Ceramic Tile,Wood,Parquet,Vinyl-Linoleum

Heating & Cooling

  • Heating features: Baseboard Hotwater
  • Cooling features: Wall Unit(s),Window Unit(s)

Interior Area

  • Total structure area: 0

Kitchen

  • Features: Granite/Corian Countertops, Pantry, Galley Type

Master Bedroom

  • Features: Full Bath

Property

Details

  • Parcel number: 2903005230000000020000
  • Zoning: Res

Features

  • Levels: Two, Ground Floor
  • Stories: 2
  • Patio & porch: Deck,Enclosed
  • Exterior features: Lawn Sprinklers,Curbs,Deck,Enclosed Porch(es),Fencing/Wall,Yard
  • Fencing: Fencing/Wall

Lot

  • Lot size: 4,791 sqft
  • Features: Near Shopping,Level
  • Lot size dimensions: 0.00 x 0.00

Parking

  • Parking features: 2 Car Width,Additional Parking,Asphalt,Detached,Driveway,On Street,Paved
  • Has garage: Yes
  • 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 FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Earthquake
Ice Storm
Lightning
Strong Wind

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 $3,286$39,432
Home Insurance *$143$1,716
Property Taxes $1,099$13,188
Electricity $193$2,318
Total$4,721$56,652
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$161,862/yr
40% on housing$141,630/yr
45% on housing$125,893/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: 8.2%
8.2%
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 07016$452
Union County$380

vs Homes Sold Last Month

Median $/sqft

ZIP 07016$470
Union County$416

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)

No zestimate history available

Price History

DateEventPrice
2026-07-09Listed for sale$650,000

For Sale by Agent

AgentMICHAEL BELL
BrokerageTHE ADDISON GROUP LLC

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