Closed$749,000
TLC ≈ $5,844/mo
4 3 2,368 sqft
12 Holmes Avenue, Monroe, NJ 08831
3 Jefferson Drive, Spotswood, NJ 08884
$440,000
2 beds 2 baths 1,280 sqft Built 198356 days on marketActive
About this home
2 Beds | 1.5 Baths | Finished Basement | 1-Car Garage | Townhouse. Welcome to this bright and spacious 2-bedroom, 1.5-bath townhouse located in one of Spotswood's most desirable communities. With a fully finished basement great for extra living space and storage, attached 1-car garage, and plenty of natural light, this home offers comfort and convenience. The first floor features an open-concept living and dining area, an eat-in kitchen, a powder room, and access to the garage. Upstairs, you'll find two generously sized bedrooms with ample closet space and a full bathroom. The finished basement provides ideal bonus space for a home office, rec room, or additional storage. Features: 2 Spacious Bedrooms 1 Full Bath & 1 Half Bath Fully Finished Basement Attached 1-Car Garage Large Windows for Natural Light In-Unit Washer & Dryer Central Air Conditioning & Heating; Community Amenities: Beautifully Maintained Grounds Guest Parking Quiet, Residential Complex; Ideal for Commuters: Located just minutes from Route 18, Route 1, the NJ Turnpike, and local bus lines with service to New York City, this home is perfect for commuters.  Convenient Location: Close to shopping centers, grocery stores, dining, parks, and top-rated Spotswood schools. Everything you need!
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
$4,388/mo
- Real estate (PITI + HOA + PMI)
- $4,145
- Utilities
- $404
- Transportation
- $127
- Other (entertainment)
- $158
Principal + interest$2,835
Property tax + insurance$1,145
PMI / 2nd mortgage$165
Heating + cooling$89
Internet + TV + phone$158
Water + sewer + garbage$34
Car insurance + maintenance$127
Budget$5,000/mo
Remaining after TLC$612/mo
Purchase price
$440,000
Down payment
$22,000 (5%)
Loan amount
$418,000
APR
7.19%
Quick facts
Type
Townhouse, Condo/TH
Style
Townhouse
Year built
1983
Lot size
—
Stories
2
Heating
Forced Air
Cooling
Central Air
Water
Public
HOA
—
Annual tax
$8,399
MLS #
2616105R
County
Middlesex
At a glance
Air conditioning
Fireplace
Basement
Garage (1)
Dishwasher
Home features
Appliances
DishwasherDryerGas Range/OvenExhaust FanRefrigeratorWasherGas Water Heater
Interior
KitchenBath HalfLiving RoomDining Room2 BedroomsBath FullNone
Parking
1 Car WidthConcreteGarageAttached
Fireplace
Wood Burning
Kitchen
Eat-in Kitchen
Dining
Living Dining Combo
Flooring
See Remarks, Vinyl-Linoleum
Roof
Asphalt
Sewer
Public Sewer
Ownership
Fee Simple, See Remarks
Lot features
See Remarks
Neighborhood — 08884
| Metric | This ZIP | County | USA |
|---|---|---|---|
| Population | 7,894 | 8,832,837 | 299,088,112 |
| Population Change Since1990 | 3.00% | 14.00% | 20.00% |
| Population Density | 3,156 | 1,137 | — |
| Male | 3,828 | 4,307,827 | 147,432,321 |
| Female | 4,066 | 4,525,010 | 151,655,844 |
| Never Married | 1,444 | 1,965,811 | 63,775,926 |
| Married | 3,725 | 3,647,435 | 123,120,365 |
| Separated | 166 | 391,239 | 12,639,686 |
| Widowed | 625 | 515,172 | 15,467,586 |
| Divorced | 464 | 529,393 | 23,075,029 |
| Number Of House Hold | 3,098 | 3,167,345 | 111,826,380 |
| Average House Hold Size | 2.54 | 2.73 | 2.60 |
| Medial Age | 39.47 | 37.15 | 35.46 |
| Median House Hold Income | $61,994 | $63,392 | $48,276 |
| Average House Hold Income | $77,145 | $83,312 | $63,629 |
| P C I | $30,276 | $30,662 | $24,529 |
| M D I | $51,446 | $52,505 | $41,133 |
| A T H E | $58,915 | $61,369 | $50,898 |
| S T R | 7.00% | 7.00% | — |
| W C J | 74.78% | 81.02% | 77.74% |
(Zip) Code
8884
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 5/20/2026. Provided courtesy of RE/MAX FIRST REALTY, INC. via Central Jersey Multiple Listing System, INC. Information deemed reliable but not guaranteed.