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1565 Ridgeway St, Union, NJ, 07083

4beds
3baths
--sqft
$629,900
--price/sqft
$4,603/moest. monthly cost
$184,120/yrincome needed

About This Home

Move-in ready, large stately Colonial offering spacious rooms, abundant storage, and a functional layout throughout. Enter into the welcoming foyer with a long center hallway leading to a large living room, formal dining room, family room, eat-in kitchen, and first-floor laundry with a half bath. The second floor features four generously sized bedrooms and two full baths. Additional highlights include hardwood floors in six rooms, updated windows, solar panels, gas hot water baseboard heat, a finished basement with three rooms, a covered deck, a backyard storage shed, and a hard-to-find two-car garage. A wonderful home offering space, storage, comfort, and convenience! Built in 1973 - LOT is 50x100 - Taxes 13k

Getting Around

31
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

5/10
Burnet Middle SchoolGrades 5-80.9 mi
3/10
Union Senior High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1973

Materials

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

Notable Dates

  • Major remodel year: 2008

Type & Style

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

Interior

Appliances

  • Appliances included: Carbon Monoxide Detector,Dishwasher,Range/Oven-Gas,Refrigerator,Gas Water Heater
  • Laundry features: Laundry Room,Level 1

Basement

  • Features: Family Room, Office, Storage Room, Utility Room

Basement

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

Bedroom1

  • Level: Second
  • Area: 192

Bedroom2

  • Level: Second
  • Area: 180

Bedroom3

  • Level: Second
  • Area: 120

Bedroom4

  • Level: Second
  • Area: 120

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Features: Formal Dining Room
  • Level: First
  • Area: 143

Family Room

  • Level: First
  • Area: 187

Features

  • Foyer
  • Flooring: Laminate,Wood
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Wood Stove-Freestanding
  • Fireplace: Yes

Heating & Cooling

  • Heating features: 1 Unit,Baseboard - Hotwater,Electric,Natural Gas
  • Cooling features: Window Unit(s)

Kitchen

  • Features: Eat-in Kitchen
  • Level: First
  • Area: 176

Living Room

  • Level: First
  • Area: 216

Master Bathroom

  • Features: Stall Shower

Property

Details

  • Parcel number: 2919056090000000200000

Features

  • Patio & porch: Deck

Lot

  • Lot size: 4,791 sqft
  • Features: Level
  • Lot size dimensions: 50 x 100

Parking

  • Total spaces: 2
  • Parking features: 2 Car Width
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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 $3,185$38,220
Home Insurance *$160$1,920
Property Taxes $1,065$12,780
Electricity $193$2,318
Total$4,603$55,236
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$157,817/yr
40% on housing$138,090/yr
45% on housing$122,746/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 07083$327
Union County$380

vs Homes Sold Last Month

Median $/sqft

ZIP 07083$397
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
2026-08-04Pending sale$629,900
2026-07-24Listed for sale$629,900

For Sale by Agent

AgentTina Rebimbas Torres
BrokerageRe/Max Lifetime Realtors

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