CCertihomes
122 Spear Street, Metuchen, NJ 08840

$699,000

3 beds 2 baths 1,424 sqft Built 195070 days on marketActive

About this home

Charming ranch-style home on a generous corner lot ideally located just steps from nearby parks offering a convenient and peaceful neighborhood setting. Kitchen and bathroom previously updated, bonus sunroom, partial basement. Oversized detached garage. Convenient to schools, downtown Metuchen, and major commuting routes. Convenient option for buyers looking for a quicker closing and the ability to create your ideal home in a sought-after location.

Affordability — calculate your monthly payment

Adjust your budget to see what's left after housing, utilities and transportation. Numbers below assume a 5% down, 30YrFixed at 7.19% APR.

Your estimated payment
$6,705/mo

Real estate (PITI + HOA + PMI)
$6,467
Principal + interest$4,503
Property tax + insurance$1,702
PMI / 2nd mortgage$262
Utilities
$535
Heating + cooling$106
Internet + TV + phone$157
Water + sewer + garbage$58
Transportation
$129
Car insurance + maintenance$129
Other (entertainment)
$157
$6,705/mo TLC
Budget$7,205/mo
Remaining after TLC$500/mo
Purchase price
$699,000
Down payment
$34,950 (5%)
Loan amount
$664,050
APR
7.19%

Quick facts

Type
Single Family Residence
Style
Ranch
Year built
1950
Lot size
0.1768 ac
Stories
1
Heating
Forced Air
Cooling
Central Air
Water
Public
HOA
Annual tax
$12,241
MLS #
2609144R
County
Middlesex

At a glance

Air conditioning
Basement
Garage (1)

Home features

Appliances
DryerGas Range/OvenRefrigeratorWasherGas Water Heater
Interior
3 BedroomsNone
Parking
1 Car WidthGarage
Kitchen
Country Kitchen
Dining
Formal Dining Room
Flooring
See Remarks
Roof
Asphalt, See Remarks
Sewer
Public Sewer
Ownership
Fee Simple

Lot features

See Remarks

Neighborhood — 08840

MetricThis ZIPCountyUSA
Population12,5058,832,837299,088,112
Population Change Since19908.00%14.00%20.00%
Population Density3,9731,137
Male6,1484,307,827147,432,321
Female6,3574,525,010151,655,844
Never Married2,4091,965,81163,775,926
Married5,9623,647,435123,120,365
Separated248391,23912,639,686
Widowed685515,17215,467,586
Divorced714529,39323,075,029
Number Of House Hold4,6383,167,345111,826,380
Average House Hold Size2.692.732.60
Medial Age38.8337.1535.46
Median House Hold Income$91,148$63,392$48,276
Average House Hold Income$116,452$83,312$63,629
P C I$43,580$30,662$24,529
M D I$71,699$52,505$41,133
A T H E$78,902$61,369$50,898
S T R7.00%7.00%
W C J78.69%81.02%77.74%
(Zip) Code
8840

Data via Certihomes neighborhood index. Comparisons across this ZIP, county and the United States.

Map & walkability

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Central Jersey Multiple Listing System, INC

Listing information last refreshed 1/24/2026. Provided courtesy of RE/MAX COMPETITIVE EDGE via Central Jersey Multiple Listing System, INC. Information deemed reliable but not guaranteed.

122 Spear Street · Metuchen — $699,000 · Certihomes