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34 W Shore Rd, Mountain Lakes, NJ, 07046

7beds
8baths
10,000sqft
$3,500,000
$350price/sqft
$26,876/moest. monthly cost
$1,075,040/yrincome needed

About This Home

Step into this European-inspired lakefront masterpiece, built in 2021 and set on a pristine 1.24-acre level lot overlooking the serene Crystal Lake. Just 30 minutes from NYC and nestled within a top-rated school district, this home blends luxury, convenience, and the coveted Mountain Lakes lifestyle. From the moment you arrive via the brick-paver driveway, the two-story wrought iron entrance and striking architecture captivate. Inside, floor-to-ceiling windows and sliding doors frame breathtaking lake views, while soaring ceilings, white porcelain tiles, and an open flow create an abundance of light and airy elegance. Spanning over 10,000 square feet across three levels, this home is designed for both grand entertaining and intimate moments. Every bedroom features an ensuite bath (many with bidets) and generous closets, while shared spaces like the kitchen, dining, and living rooms offer a seamless blend of connection and privacy. The flexible layout includes two first-floor bedroom suites and a walkout in-law suite on the lower level. Additional highlights: white oak hardwood floors, quartz countertops, top-of-the-line appliances, custom Anderson windows, three laundry rooms, charming balconies with lake views, a whole-house generator, and an oversized three-car garage. Move right in and experience the tranquility and sophistication of lakeside living! Enjoy all that ML has to offer w/ Tourne county park, Taft field and Birchwood Lake just down the street.

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

8/10
8/10
9/10

Construction

Condition

  • Year built: 2021

Materials

  • Roof: Fiberglass
  • Construction materials: Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Carbon Monoxide Detector,Central Vacuum,Gas Cooktop,Dishwasher,Dryer,Generator-Built-In,Kitchen Exhaust Fan,Microwave,Refrigerator,Wall Oven(s) - Electric,Washer,Water Softener Owned,Wine Refrigerator,Gas Water Heater
  • Laundry features: Laundry Room,In Basement

Basement

  • Features: Bath Main, Family Room, Kitchen, Laundry Room

Basement

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

Bedroom1

  • Level: Second
  • Area: 483

Bedroom2

  • Level: Second
  • Area: 780

Bedroom3

  • Level: Second
  • Area: 225

Bedroom4

  • Level: Second
  • Area: 432

Bedroom5

  • Area: 522

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 8
  • Full bathrooms: 8

Dining Room

  • Features: Formal Dining Room
  • Level: First
  • Area: 330

Family Room

  • Level: Basement
  • Area: 1764

Features

  • Central Vacuum,Bedroom,Media Room,In-Law Floorplan
  • Window features: Thermal Windows/Doors,Blinds
  • Flooring: Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas,Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: 4+ Units,Zoned,Natural Gas
  • Cooling features: 4+ Units,Zoned

Interior Area

  • Total structure area: 10,000
  • Total interior livable area: 10,000 sqft

Kitchen

  • Features: Kitchen Island,Eat-in Kitchen,Pantry
  • Level: First
  • Area: 375

Living Room

  • Level: First
  • Area: 1360

Master Bathroom

  • Features: Bidet,Stall Shower

Property

Details

  • Parcel number: 2325000310000000800002
  • Zoning description: R-A
  • Other equipment: Generator-Built-In

Features

  • Patio & porch: Deck,Patio
  • Exterior features: Dock
  • On waterfront: Yes
  • Waterfront features: Lake Front,Lake Privileges

Lot

  • Lot size: 1.10 Acres
  • Features: Level,Open Lot
  • Lot size dimensions: 1.102 AC

Parking

  • Total spaces: 8
  • Parking features: Off Street,Paver Block,Attached Garage,Garage Door Opener,Oversized
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Uncovered spaces: 8

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

  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
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 $17,697$212,364
Home Insurance *$1,026$12,312
Property Taxes $7,051$84,612
Electricity $1,102$13,228
Total$26,876$322,512
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$921,462/yr
40% on housing$806,280/yr
45% on housing$716,693/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

$350This listing

vs Other Active Listings

Avg $/sqft

ZIP 07046$565
Morris County$395

vs Homes Sold Last Month

Median $/sqft

ZIP 07046$381
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
2026-05-05Listed for sale$3,500,000
2026-05-04Listing removed$3,600,000
2025-11-07Listed for sale$3,600,000
2025-11-07Listing removed$3,600,000
2025-05-07Listed for sale$3,600,000
2024-07-24Listing removed$3,600,000
2024-06-29Price change$3,600,000
2024-04-12Listed for sale$3,850,000
2019-07-01Sold$1,400,000
2019-03-19Listing removed$1,549,000
2019-02-07Listed for sale$1,549,000
2018-12-31Listing removed$1,550,000
2018-08-14Listed for sale$1,550,000
2018-08-10Pending sale$1,550,000
2018-06-01Price change$1,550,000
2018-04-06Listed for sale$1,650,000
2008-05-15Sold$1,915,000

For Sale by Agent

AgentMary C. Menard
BrokerageCompass New Jersey, Llc

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