Closed$539,900
TLC ≈ $4,440/mo
4 3 1,884 sqft
314 8th Street, Piscataway, NJ 08854
440 3rd Street, Dunellen, NJ 08812
$599,000
4 beds 3 baths 2,349 sqft Built 19490 days on marketActive
About this home
Welcome to 440 3rd Street, a spacious and thoughtfully maintained four-bedroom, two-and-a-half-bath home offering room to grow in a desirable Dunellen neighborhood. This expanded cape-style residence features a bright and inviting living room with bay window, formal dining room, eat-in kitchen and a functional floor plan designed for comfortable everyday living. The private primary suite includes a private closet and en-suite bath, while three additional bedrooms provide flexibility for guests or a home office. A full unfinished basement, expansive attic storage and attached garage provide exceptional storage rarely found at this price point. Outside, a large rear deck overlooks the level backyard, creating an ideal setting for entertaining, relaxing or enjoying summer evenings at home. Conveniently located near parks, schools, downtown Dunellen, NJ Transit and major highways, this is a special opportunity to own a move-in ready home offering space, versatility and value. As an added benefit, the property qualifies for a First Time Homebuyer Program which is anyone who has not owned a home in the last 3 years. Minimum 5% down payment required. 30 yr fixed 5.75% with no points, no PMI required if putting less than 20% down, bank fee waived. Making this an exceptional opportunity for buyers seeking both value and lifestyle in a well-kept 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
$6,108/mo
- Real estate (PITI + HOA + PMI)
- $5,811
- Utilities
- $609
- Transportation
- $121
- Other (entertainment)
- $143
Principal + interest$3,859
Property tax + insurance$1,727
PMI / 2nd mortgage$225
Heating + cooling$150
Internet + TV + phone$143
Water + sewer + garbage$58
Car insurance + maintenance$121
Budget$6,608/mo
Remaining after TLC$500/mo
Purchase price
$599,000
Down payment
$29,950 (5%)
Loan amount
$569,050
APR
7.19%
Quick facts
Type
Single Family Residence
Style
Cape Cod
Year built
1949
Lot size
0.1722 ac
Stories
1
Heating
Baseboard Electric, Forced Air
Cooling
Central Air
Water
Public
HOA
—
Annual tax
$13,138
MLS #
2617370R
County
Middlesex
At a glance
Air conditioning
Basement
Garage (1)
Dishwasher
Home features
Appliances
DishwasherDryerGas Range/OvenMicrowaveRefrigeratorRangeWasherGas Water Heater
Interior
4 BedroomsBath HalfBath FullBath MainStorageUnfinished/Other RoomNone
Exterior
DeckDoor(s)-Storm/ScreenStorage ShedYard
Parking
1 Car WidthGarageAttachedBuilt-In Garage
Patio & porch
Deck
Pool
None
Kitchen
Eat-in KitchenSeparate Dining Area
Dining
Formal Dining Room
Master bedroom
1st Floor
Flooring
Carpet, Ceramic Tile, Wood
Roof
Asphalt
Sewer
Public Sewer
Ownership
Fee Simple
Lot features
Level
Neighborhood — 08812
| Metric | This ZIP | County | USA |
|---|---|---|---|
| Population | 17,308 | 8,832,837 | 299,088,112 |
| Population Change Since1990 | 14.00% | 14.00% | 20.00% |
| Population Density | 3,367 | 1,137 | — |
| Male | 8,550 | 4,307,827 | 147,432,321 |
| Female | 8,758 | 4,525,010 | 151,655,844 |
| Never Married | 3,551 | 1,965,811 | 63,775,926 |
| Married | 7,402 | 3,647,435 | 123,120,365 |
| Separated | 720 | 391,239 | 12,639,686 |
| Widowed | 877 | 515,172 | 15,467,586 |
| Divorced | 1,109 | 529,393 | 23,075,029 |
| Number Of House Hold | 5,926 | 3,167,345 | 111,826,380 |
| Average House Hold Size | 2.85 | 2.73 | 2.60 |
| Medial Age | 36.81 | 37.15 | 35.46 |
| Median House Hold Income | $70,788 | $63,392 | $48,276 |
| Average House Hold Income | $86,035 | $83,312 | $63,629 |
| P C I | $30,898 | $30,662 | $24,529 |
| M D I | $57,699 | $52,505 | $41,133 |
| A T H E | $63,030 | $61,369 | $50,898 |
| S T R | — | 7.00% | — |
| W C J | 79.67% | 81.02% | 77.74% |
(Zip) Code
8812
Data via Certihomes neighborhood index. Comparisons across this ZIP, county and the United States.
Map & walkability
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Listing information last refreshed 6/10/2026. Provided courtesy of KELLER WILLIAMS NJ METRO GROUP via Central Jersey Multiple Listing System, INC. Information deemed reliable but not guaranteed.