CCertihomes
55 Smith Street, Perth Amboy, NJ 08861

$699,999

0 beds 4 baths 2,302 sqft Built 198015 days on marketActive

About this home

Amazing 2 Family Home near Perth Amboy Waterfront. Has rare 3 Car Attached Garages. Apartment 1 has Living Rm, Dining Rm, 2 Bedrooms, 2 Baths plus a Balcony. Apartment 2 has Living Rm, Dining Room, 2 Bedrooms with Balconies, a Bonus Room which could be 3rd Bedroom and 2.5 Baths plus a large Terrace for entertaining. Both Apartments have Laundry Hook up & Central Air. Basement has 2 Rooms. Potential Rental Income of over $72, 000 a year. Separate Gas & Electric Meters. Maintenance Free as the management takes care of Snow Removal & Landscaping. Great for Commuters. Bus Stop across the street & Train Station just a 10 minutes stroll with direct trains to NYC.

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
$6,643/mo

Real estate (PITI + HOA + PMI)
$6,348
Principal + interest$4,509
Property tax + insurance$1,576
PMI / 2nd mortgage$263
Utilities
$618
Heating + cooling$147
Internet + TV + phone$158
Water + sewer + garbage$58
Transportation
$145
Car insurance + maintenance$145
Other (entertainment)
$158
$6,643/mo TLC
Budget$7,143/mo
Remaining after TLC$500/mo
Purchase price
$699,999
Down payment
$35,000 (5%)
Loan amount
$664,999
APR
7.19%

Quick facts

Type
2 Family
Style
Year built
1980
Lot size
0.0407 ac
Stories
3
Heating
Forced Air
Cooling
A/C Central - All, Unit 1(A/C Central), Unit 2(A/C Central)
Water
Public
HOA
Annual tax
$10,274
MLS #
2614758R
County
Middlesex

At a glance

Basement
Garage (3)

Home features

Appliances
Water Heater(See Remarks)Water Heater
Interior
Unit 1(Dining Room2 BedroomsKitchenLaundry HookupLiving Room2+ Baths)Unit 2(Dining Room2 BedroomsKitchenLaundry HookupLiving Room2+ BathsDen/Family Room)
Exterior
PatioPorch(es) - Open
Parking
GarageAttached3-4 Car Parking
Patio & porch
PatioPorch(es) - Open
Roof
See Remarks
Sewer
Public Sewer
Ownership
Fee Simple

Lot features

Near Train, Near Public Transit

Neighborhood — 08861

MetricThis ZIPCountyUSA
Population46,7828,832,837299,088,112
Population Change Since199020.00%14.00%20.00%
Population Density8,5841,137
Male23,3924,307,827147,432,321
Female23,3904,525,010151,655,844
Never Married12,5231,965,81163,775,926
Married14,3943,647,435123,120,365
Separated3,833391,23912,639,686
Widowed2,051515,17215,467,586
Divorced3,067529,39323,075,029
Number Of House Hold14,3073,167,345111,826,380
Average House Hold Size3.232.732.60
Medial Age31.7837.1535.46
Median House Hold Income$41,463$63,392$48,276
Average House Hold Income$52,403$83,312$63,629
P C I$16,734$30,662$24,529
M D I$36,156$52,505$41,133
A T H E$45,041$61,369$50,898
S T R7.00%7.00%
W C J80.27%81.02%77.74%
(Zip) Code
8861

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

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Central Jersey Multiple Listing System, INC

Listing information last refreshed 4/28/2026. Provided courtesy of RE/MAX COMPETITIVE EDGE via Central Jersey Multiple Listing System, INC. Information deemed reliable but not guaranteed.

55 Smith Street · Perth Amboy — $699,999 · Certihomes