CCertihomes
440 3rd Street, Dunellen, NJ 08812

$599,000

4 beds 3 baths 2,349 sqft Built 194943 days on marketClosed

About this home

Welcome to 440 3rd Street, a spacious and thoughtfully maintained 4-bedroom, 2.5-bath home offering room to grow in a desirable Dunellen neighborhood. This expanded Cape Cod-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 an en-suite bath and generous closet space, while three additional bedrooms provide flexibility for guests, a home office or changing household needs. A full unfinished basement, expansive walkup attic and attached garage offer exceptional storage and future expansion potential 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. Additional highlights include low-maintenance vinyl siding backed by a transferable lifetime warranty. Conveniently located near parks, schools, downtown Dunellen, major highways and NJ Transit with direct rail service to New York Penn Station, this move-in ready home offers space, versatility and convenience. As an added benefit, the property qualifies for a First Time Homebuyer Program available to buyers who have not owned a home in the past three years. Qualified purchasers may be eligible for financing with as little as 5% down, a competitive 30-year fixed interest rate, no PMI with less than 20% down, no points and a waived bank fee, making this an exceptional opportunity for buyers seeking both value and affordability.

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 4% APR.

Your estimated payment
$4,966/mo

Real estate (PITI + HOA + PMI)
$4,669
Principal + interest$2,717
Property tax + insurance$1,727
PMI / 2nd mortgage$225
Utilities
$609
Heating + cooling$150
Internet + TV + phone$143
Water + sewer + garbage$58
Transportation
$121
Car insurance + maintenance$121
Other (entertainment)
$143
$4,966/mo TLC
Budget$5,466/mo
Remaining after TLC$500/mo
Purchase price
$599,000
Down payment
$29,950 (5%)
Loan amount
$569,050
APR
4%

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

MetricThis ZIPCountyUSA
Population17,3088,832,837299,088,112
Population Change Since199014.00%14.00%20.00%
Population Density3,3671,137
Male8,5504,307,827147,432,321
Female8,7584,525,010151,655,844
Never Married3,5511,965,81163,775,926
Married7,4023,647,435123,120,365
Separated720391,23912,639,686
Widowed877515,17215,467,586
Divorced1,109529,39323,075,029
Number Of House Hold5,9263,167,345111,826,380
Average House Hold Size2.852.732.60
Medial Age36.8137.1535.46
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 R7.00%
W C J79.67%81.02%77.74%
(Zip) Code
8812

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 6/10/2026. Provided courtesy of KELLER WILLIAMS NJ METRO GROUP via Central Jersey Multiple Listing System, INC. Information deemed reliable but not guaranteed.