Closed$315,000
TLC ≈ $3,342/mo
3 2 1,692 sqft
245 Clay Street, Trenton, NJ 08611
245 Clay Street, Trenton, NJ 08611
$315,000
3 beds 2 baths 1,692 sqft Built 187246 days on marketClosed
About this home
Welcome to 245 Clay Street, located in Downtown Trenton on a quiet dead-end block in the desirable Mill Hill Historic District. This prime location offers the perfect blend of historic charm and everyday convenience just moments from the park, community center, art galleries, restaurants, train station, and major highways for easy commuting. This move-in ready 3-bedroom, 1.5-bath home has been thoughtfully updated throughout. Step inside to beautiful hardwood floors, a striking floating staircase, high ceilings, and modern lighting that creates a bright and inviting atmosphere. The kitchen comes complete with a full appliance package including refrigerator, microwave, stove, and dishwasher, making it truly turnkey. The fenced backyard offers privacy and outdoor enjoyment, along with a driveway that accommodates one car a valuable feature in this historic neighborhood. The second level features a spacious family room, one bedroom, and a fully renovated full bathroom with tile throughout. A stacked washer and dryer are also conveniently located on this floor for added ease. The third level offers two additional bedrooms, each fully renovated with updated flooring, modern spotlights, and fresh finishes. Attic access provides additional storage options. Blending historic surroundings with modern upgrades and commuter-friendly access, this Mill Hill gem is ready to welcome its next owner. NO HOA. Schedule your showing today.
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
$3,844/mo
- Real estate (PITI + HOA + PMI)
- $3,451
- Utilities
- $528
- Transportation
- $143
- Other (entertainment)
- $158
Principal + interest$2,029
Property tax + insurance$1,304
PMI / 2nd mortgage$118
Heating + cooling$102
Internet + TV + phone$158
Water + sewer + garbage$58
Car insurance + maintenance$143
Budget$5,000/mo
Remaining after TLC$1,156/mo
Purchase price
$315,000
Down payment
$15,750 (5%)
Loan amount
$299,250
APR
7.19%
Quick facts
Type
Townhouse, Condo/TH
Style
Townhouse, Traditional
Year built
1872
Lot size
0.0386 ac
Stories
3
Heating
Baseboard, Radiant, Baseboard Hotwater
Cooling
None
Water
Public
HOA
—
Annual tax
$11,426
MLS #
2610538R
County
Mercer
At a glance
Basement
Dishwasher
Home features
Appliances
DishwasherDryerGas Range/OvenMicrowaveRefrigeratorWasherGas Water Heater
Interior
2nd Stairway to 2nd LevelKitchenBath HalfLiving RoomDining Room1 BedroomLaundry RoomBath FullFamily Room2 BedroomsAttic
Exterior
Deck
Parking
1 Car WidthDriveway
Patio & porch
Deck
Pool
None
Kitchen
Granite/Corian CountertopsNot Eat-in Kitchen
Dining
Living Dining Combo
Flooring
Wood
Roof
Asphalt
Sewer
Public Sewer
Ownership
Fee Simple
Lot features
Near Shopping, Near Train, Dead - End Street, Interior Lot
Neighborhood — 08611
| Metric | This ZIP | County | USA |
|---|---|---|---|
| Population | 27,540 | 8,832,837 | 299,088,112 |
| Population Change Since1990 | 10.00% | 14.00% | 20.00% |
| Population Density | 11,101 | 1,137 | — |
| Male | 14,661 | 4,307,827 | 147,432,321 |
| Female | 12,879 | 4,525,010 | 151,655,844 |
| Never Married | 8,675 | 1,965,811 | 63,775,926 |
| Married | 6,838 | 3,647,435 | 123,120,365 |
| Separated | 2,398 | 391,239 | 12,639,686 |
| Widowed | 1,941 | 515,172 | 15,467,586 |
| Divorced | 2,091 | 529,393 | 23,075,029 |
| Number Of House Hold | 9,273 | 3,167,345 | 111,826,380 |
| Average House Hold Size | 2.72 | 2.73 | 2.60 |
| Medial Age | 32.15 | 37.15 | 35.46 |
| Median House Hold Income | $34,549 | $63,392 | $48,276 |
| Average House Hold Income | $43,703 | $83,312 | $63,629 |
| P C I | $16,271 | $30,662 | $24,529 |
| M D I | $30,706 | $52,505 | $41,133 |
| A T H E | $40,027 | $61,369 | $50,898 |
| S T R | 7.00% | 7.00% | — |
| W C J | 90.01% | 81.02% | 77.74% |
(Zip) Code
8611
Data via Certihomes neighborhood index. Comparisons across this ZIP, county and the United States.
Map & walkability
Open in Google Maps →Recently sold nearby
Listing information last refreshed 2/21/2026. Provided courtesy of HALO REALTY via Central Jersey Multiple Listing System, INC. Information deemed reliable but not guaranteed.