Closed$2,200
TLC ≈ $444/mo
2 2 —
95 Main 2c Street, Sayreville, NJ 08872
20 Stephen Street, South River, NJ 08882
$525,000
0 beds 2 baths 1,776 sqft Built 190018 days on marketClosed
About this home
20 Stephen Street, South River possible 3.875% assumable mortgage for qualified buyers. Excellent opportunity to own a two-family property with strong rental income, or live in one apartment while renting the other. Situated on a 52 104 lot, this property offers great flexibility for investors or owner-occupants. The first-floor apartment includes a living room, cozy dining room, bedroom, full bathroom and eat-in kitchen with access to the basement, where washer and dryer hookups are located along with Bilco doors providing convenient exterior access. The second-floor apartment features two bedrooms, living room, eat-in kitchen and full bath. Additional highlights include a detached garage, private driveway parking for two cars, plus additional rear parking. With some updates, this property presents a great opportunity to add value while continuing to generate rental income.
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
$5,031/mo
- Real estate (PITI + HOA + PMI)
- $4,726
- Utilities
- $592
- Transportation
- $127
- Other (entertainment)
- $158
Principal + interest$3,382
Property tax + insurance$1,147
PMI / 2nd mortgage$197
Heating + cooling$159
Internet + TV + phone$158
Water + sewer + garbage$58
Car insurance + maintenance$127
Budget$5,531/mo
Remaining after TLC$500/mo
Purchase price
$525,000
Down payment
$26,250 (5%)
Loan amount
$498,750
APR
7.19%
Quick facts
Type
2 Family
Style
—
Year built
1900
Lot size
—
Stories
2
Heating
Radiant, Radiators-Steam, Hot Water
Cooling
Ceiling Fan(s),A/C Window Unit(s), Unit 1(A/C Unit), Unit 2(A/C Unit)
Water
Public
HOA
—
Annual tax
$7,262
MLS #
2611853R
County
Middlesex
At a glance
Basement
Garage (1)
Home features
Appliances
Water Heater(Gas)Water HeaterUnit 1(Range/OvenRefrigerator)Unit 2(Range/OvenRefrigerator)
Interior
Unit 1(1 BedroomDining RoomKitchen1 BathLiving Room)Unit 2(2 BedroomsKitchen1 BathLiving Room)
Exterior
Porch(es) - OpenYardBlindsPorchPrivate EntranceScreens/Storms
Parking
GarageDetached3-4 Car ParkingOn Street
Patio & porch
Porch(es) - OpenPorch
Roof
Slate
Sewer
Public Sewer
Ownership
Fee Simple
Lot features
Level
Neighborhood — 08882
| Metric | This ZIP | County | USA |
|---|---|---|---|
| Population | 13,067 | 8,832,837 | 299,088,112 |
| Population Change Since1990 | 12.00% | 14.00% | 20.00% |
| Population Density | 4,534 | 1,137 | — |
| Male | 6,499 | 4,307,827 | 147,432,321 |
| Female | 6,568 | 4,525,010 | 151,655,844 |
| Never Married | 2,948 | 1,965,811 | 63,775,926 |
| Married | 5,628 | 3,647,435 | 123,120,365 |
| Separated | 407 | 391,239 | 12,639,686 |
| Widowed | 687 | 515,172 | 15,467,586 |
| Divorced | 792 | 529,393 | 23,075,029 |
| Number Of House Hold | 4,777 | 3,167,345 | 111,826,380 |
| Average House Hold Size | 2.73 | 2.73 | 2.60 |
| Medial Age | 36.15 | 37.15 | 35.46 |
| Median House Hold Income | $57,692 | $63,392 | $48,276 |
| Average House Hold Income | $65,642 | $83,312 | $63,629 |
| P C I | $24,056 | $30,662 | $24,529 |
| M D I | $48,231 | $52,505 | $41,133 |
| A T H E | $52,683 | $61,369 | $50,898 |
| S T R | 7.00% | 7.00% | — |
| W C J | 75.36% | 81.02% | 77.74% |
(Zip) Code
8882
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 3/11/2026. Provided courtesy of RE/MAX CENTRAL via Central Jersey Multiple Listing System, INC. Information deemed reliable but not guaranteed.