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15 Spruce Ter, Mount Arlington, NJ, 07856

2beds
3baths
1,540sqft
$499,900
$325price/sqft
$3,659/moest. monthly cost
$146,360/yrincome needed

About This Home

Welcome to 15 Spruce Terrace in the desirable Seasons Glen community of Mount Arlington! This spacious 2-bedroom, 2.5-bath condo offers a versatile office space, dining area, and finished basement with a custom bar. The updated kitchen shines with granite counters, an added cabinet wall, tile backsplash, under-cabinet lighting, and easy-clean peel-and-stick tile lining. Cozy up by the wood-burning fireplace in the living room, or retreat upstairs to a primary suite with an expanded shower and updated skylight. Newer tile flooring (1 yr) graces both upstairs baths, kitchen, and basement. Major updates include a new furnace (2021), new central A/C (2024), and a roof replaced within the last 2 years. Every closet features custom drawer organizers, plus a bonus storage closet in the basement. 1-car attached garage with new opener, plus 1 dedicated parking space and nearby guest parking. All appliances stay: washer/dryer, fridge, microwave, oven, and dishwasher. Don't miss this move-in ready gem in a prime commuter location!

Getting Around

29
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Construction

Condition

  • Year built: 1999

Materials

  • Roof: Asphalt Shingle
  • Construction materials: Vinyl Siding

Notable Dates

  • Major remodel year: 2024

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Carbon Monoxide Detector,Dishwasher,Dryer,Range/Oven-Gas,Refrigerator,Washer,Water Heater (See Remarks)

Basement

  • Has basement: Yes
  • Basement: Yes,Finished,Full,Walk-Out Access

Bedrooms & Bathrooms

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

Features

  • Flooring: See Remarks,Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas,Living Room
  • Fireplace: Yes
  • Common walls with other units/homes: 2+ Common Walls,Townhouse-Interior

Heating & Cooling

  • Heating features: 1 Unit,Natural Gas
  • Cooling features: 1 Unit

Interior Area

  • Total structure area: 1,540
  • Total interior livable area: 1,540 sqft

Kitchen

  • Features: Separate Dining Area

Property

Details

  • Parcel number: 2326000610000000230010C4602
  • Attached to another structure: Yes

Features

  • Levels: Multi Floor Unit
  • Private pool: Yes
  • Pool features: Outdoor Pool,Association
  • Patio & porch: Patio

Lot

  • Lot size dimensions: 0.000 AC

Parking

  • Total spaces: 1
  • Parking features: 1 Car Width,Asphalt
  • 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

  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
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 $2,527$30,324
Home Insurance *$173$2,076
Property Taxes $766$9,192
Electricity $193$2,318
Total$3,659$43,908
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$125,451/yr
40% on housing$109,770/yr
45% on housing$97,573/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: 6.8%
6.8%
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

$325This listing

vs Other Active Listings

Avg $/sqft

ZIP 07856$296
Morris County$395

vs Homes Sold Last Month

Median $/sqft

ZIP 07856$306
Morris County$367

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
2026-07-27Listed for sale$499,900

For Sale by Agent

AgentMichael Rossi
BrokerageExp Realty, Llc

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