CCertihomes
655 Charles Street, Perth Amboy, NJ 08861

$550,000

0 beds 0 baths 1,584 sqft Built 19390 days on marketActive

About this home

**Charming Multi-Family Gem in Downtown Perth Amboy - Your Next Investment Awaits!** Discover an incredible opportunity to own a multi-family residence in the vibrant heart of Downtown Perth Amboy! This well-maintained property features two spacious units, both currently occupied and generating incomemaking it a dream investment for savvy buyers. Enjoy the benefits of low taxes and separate gas and electric meters, providing ease of management and potential for increased cash flow. Each unit boasts a cozy Family Room/Den, perfect for use as an additional bedroom or a relaxing retreat. The property also includes a large storage shed in the back and a fully fenced yard, offering plenty of outdoor space for tenants to enjoy. Commuters will appreciate the convenience of being just 6 minutes from the Perth Amboy Train Station, with direct trains to NYC for an easy commute. This property is being sold AS-IS, providing you with a fantastic canvas to make it your own or continue as a successful rental. For showings, please reach out to the agent to coordinate with the tenants. Don't miss out on this exceptional investment opportunityschedule your showing today and take the first step toward owning this delightful multi-family home!

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
$5,181/mo

Real estate (PITI + HOA + PMI)
$4,898
Principal + interest$3,543
Property tax + insurance$1,149
PMI / 2nd mortgage$206
Utilities
$530
Heating + cooling$128
Internet + TV + phone$158
Water + sewer + garbage$58
Transportation
$145
Car insurance + maintenance$145
Other (entertainment)
$158
$5,181/mo TLC
Budget$5,681/mo
Remaining after TLC$500/mo
Purchase price
$550,000
Down payment
$27,500 (5%)
Loan amount
$522,500
APR
7.19%

Quick facts

Type
2 Family
Style
Year built
1939
Lot size
Stories
2
Heating
Baseboard, Radiant
Cooling
A/C Wall Unit(s),A/C Window Unit(s)
Water
Public
HOA
Annual tax
$7,120
MLS #
2615696R
County
Middlesex

At a glance

Basement

Home features

Appliances
Water Heater(Gas)Water HeaterUnit 1(Range/OvenRefrigerator)Unit 2(Range/OvenRefrigerator)
Interior
Unit 1(1 BedroomKitchen1 BathLiving RoomDen/Family Room)Unit 2(1 BedroomKitchen1 BathLiving RoomDen/Family Room)
Exterior
Patio
Parking
On Street
Patio & porch
Patio
Accessibility
Unit 1 Accessibility FeaturesUnit 2 Accessibility Features
Roof
Asphalt
Sewer
Public Sewer
Ownership
Fee Simple

Lot features

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.

Map & walkability

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Central Jersey Multiple Listing System, INC

Listing information last refreshed 5/13/2026. Provided courtesy of SIGNATURE REALTY NJ via Central Jersey Multiple Listing System, INC. Information deemed reliable but not guaranteed.

655 Charles Street · Perth Amboy — $550,000 · Certihomes