CCertihomes
197 Garfield Avenue, Jersey City, NJ 07305

$1,075,000

0 beds 4 baths 3,192 sqft Built 20200 days on marketActive

About this home

Excellent Investment Opportunity in this stunning 2 Family Home in thriving Jersey City! Offering over 3100+ sq ft of luxurious finished living in a prime commuter location, meticulously maintained, with dual Master Suites, Finished Basement, private Rooftop, and Garage parking, just pack your bags and move right in! Unit 1 is vacant while Unit 2 is occupied, creating an immediate income stream. Each unit offers 3 bedrooms, and 2 full baths, including a blissful Master Suite with dual closets, ensuite full bath, and private balcony. Gleaming hardwood flooring throughout and a crisp neutral palette makes it easy to customize. Spacious open living/dining combo makes for seamless living and entertaining. Both units are adorned with a cozy recessed wall mounted fireplace that is perfect for the season. Each gorgeous eat-in-kitchen will delight any home chef, offering sleek SS appliances, delightful breakfast bar, waterfall quartz countertops, and high gloss acrylic cabinets. Unit 1 has access to the full finished basement, boasting a large, versatile rec room that is great for a home office, along with a convenient 1/2 bath. Unit 2 has its own access to the peaceful, private rooftop, offering a partial deck and turf that is great for outdoor entertaining, with fantastic views of the city skyline. Quaint fenced-in backyard with private patio adds to the package. Central air/forced heat, in-unit washer & dryers, 2 non-tandem garage parking spaces, the list goes on! Perfectly appointed on a prime corner lot, just 3 blocks from the Danforth Light Rail, steps to the bus line, shopping, conveniences, close to major roads, and more. Don't miss out! Claim your slice of Jersey City today!

Affordability — calculate your monthly payment

Adjust your budget to see what's left after housing, utilities and transportation. Numbers below assume a 5% down, 30YrJumbo at 4% APR.

Your estimated payment
$7,107/mo

Real estate (PITI + HOA + PMI)
$6,977
Principal + interest$4,876
Property tax + insurance$1,698
PMI / 2nd mortgage$403
Utilities
$561
Heating + cooling$120
Internet + TV + phone$155
Water + sewer + garbage$58
Transportation
$150
Car insurance + maintenance$150
Other (entertainment)
$155
$7,107/mo TLC
Budget$7,607/mo
Remaining after TLC$500/mo
Purchase price
$1,075,000
Down payment
$53,750 (5%)
Loan amount
$1,021,250
APR
4%

Quick facts

Type
2 Family
Style
Year built
2020
Lot size
0.0544 ac
Stories
3
Heating
Forced Air, Space Heater
Cooling
A/C Central - All, Unit 1(A/C Central), Unit 2(A/C Central)
Water
Public
HOA
Annual tax
$7,288
MLS #
2617606R
County
Hudson

At a glance

Basement
Garage (2)

Home features

Appliances
Water Heater(See RemarksGas)Water HeaterUnit 1(DryerRange/OvenRefrigeratorWasher)Unit 2(Range/OvenRefrigerator)
Interior
Unit 1(Dining Room3 BedroomsKitchenLaundry HookupLiving Room2+ Baths)Unit 2(Dining Room3 BedroomsKitchenLiving Room2+ Baths)
Exterior
PatioCurbsPorch(es) - OpenDeckDoor(s)-Storm/ScreenSidewalkFencing/WallYardBlindsPorchPrivate Entrance
Community
CurbsSidewalks
Parking
GarageAttachedBuilt-In GarageDetachedGarage Door Opener1-2 Car ParkingPaved
Patio & porch
PatioPorch(es) - OpenDeckPorch
Roof
Flat
Sewer
Public Sewer
Ownership
Fee Simple

Lot features

Corner Lot, Level, Near Public Transit

Neighborhood — 07305

MetricThis ZIPCountyUSA
Population58,3178,832,837299,088,112
Population Change Since19900.00%14.00%20.00%
Population Density10,4681,137
Male26,8854,307,827147,432,321
Female31,4324,525,010151,655,844
Never Married17,6491,965,81163,775,926
Married15,9933,647,435123,120,365
Separated3,922391,23912,639,686
Widowed3,480515,17215,467,586
Divorced3,399529,39323,075,029
Number Of House Hold19,8653,167,345111,826,380
Average House Hold Size2.902.732.60
Medial Age34.2737.1535.46
Median House Hold Income$42,845$63,392$48,276
Average House Hold Income$56,360$83,312$63,629
P C I$19,841$30,662$24,529
M D I$37,219$52,505$41,133
A T H E$46,968$61,369$50,898
S T R7.00%7.00%
W C J78.93%81.02%77.74%
(Zip) Code
7305

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

Map & walkability

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Recently sold nearby

Central Jersey Multiple Listing System, INC

Listing information last refreshed 6/16/2026. Provided courtesy of RE/MAX 1st ADVANTAGE via Central Jersey Multiple Listing System, INC. Information deemed reliable but not guaranteed.

197 Garfield Avenue · Jersey City — $1,075,000 · Certihomes