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106 Waterworks Road, Freehold, NJ, 07728

4beds
2baths
4,440sqft
$899,999
$203price/sqft
$6,472/moest. monthly cost
$258,880/yrincome needed

About This Home

Unique Single-Family Home with Bonus House of Worship in Freehold Township! Discover a remarkable opportunity to own a charming single family home featuring 4 spacious bedrooms and 2 full bathrooms. This property includes an additional building designated as a house of worship, offering versatile options for the discerning buyer. Key Features:• House of Worship: If purchased for religious purposes, the property qualifies for tax exemption. Alternatively, as a single-family residence, it will be taxed accordingly.The house of worship is also listed for commercial use, strictly for church purposes.• Property Details: The sale includes one lot and one block, which must be sold together.Both the home and the house of worship are sold strictly in as-is condition.(MLS#22621143)

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1920

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

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

Heating & Cooling

  • Heating features: Other,See Remarks
  • Cooling features: None,Other

Interior Area

  • Total structure area: 4,440
  • Total interior livable area: 4,440 sqft

Property

Details

  • Parcel number: 1700006000000001
  • Zoning description: Single Family, Commercial
  • Exclusions: Owners belongings

Features

  • Stories: 1
  • Exterior features: Other

Lot

  • Lot size: 7,405 sqft
  • Features: Corner Lot
  • Lot size dimensions: 50 x 154

Parking

  • Total spaces: 1
  • Parking features: See Remarks,Concrete
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

  • Strong Wind
    Strong WindVery High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Heat Wave
Lightning
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 $4,550$54,600
Home Insurance *$286$3,432
Property Taxes $1,147$13,764
Electricity $489$5,873
Total$6,472$77,664
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$221,897/yr
40% on housing$194,160/yr
45% on housing$172,586/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: 9.2%
9.2%
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

$203This listing

vs Other Active Listings

Avg $/sqft

ZIP 07728$272
Monmouth County$425

vs Homes Sold Last Month

Median $/sqft

ZIP 07728$329
Monmouth County$384

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
2026-07-10Listed for sale$899,999

For Sale by Agent

AgentAlma Martinez
BrokerageKeller Williams Realty Freehold

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