Closed$699,999
TLC ≈ $5,755/mo
4 3 2,146 sqft
640 Florida Grove Road, Perth Amboy, NJ 08861
20 Cliff Avenue, Fords, NJ 08863
$699,999
4 beds 3 baths 1,674 sqft Built 199867 days on marketActive
About this home
Gorgeous 1-Family Home featuring 4 large bedrooms, 2.5 bathrooms, and a fully finished basement, offering plenty of space for comfortable living, entertaining, and working from home. This beautifully maintained home showcases hardwood flooring, tile finishes, and thoughtful upgrades throughout. The main living area features a stunning custom designer accent wall with modern wood slat detailing, built-in floating shelves, and an electric fireplace, creating a stylish and inviting focal point. Large windows fill the home with natural light, enhancing the warm and welcoming atmosphere. The spacious finished basement provides endless possibilities and is ideal for a recreation room, media room, home office, fitness area, or additional gathering space. Enjoy substantial energy savings with owner-owned solar panels, helping reduce electric costs year-round through monthly utility credits based on usage. Located across from protected land and just steps from a city park, this home offers the perfect balance of privacy and convenience. Commuters will appreciate the easy access to major highways, public transportation, shopping, dining, and everyday amenities. The four generously sized bedrooms provide flexibility for growing households, guests, or dedicated office space. The primary suite offers a private retreat, while the additional bedrooms are spacious and well-appointed. Meticulously cared for and truly move-in ready, this home combines modern upgrades, energy efficiency, generous living space, and an excellent location. Whether you're looking for room to grow, work from home, entertain, or simply enjoy a turnkey property, this exceptional residence is ready for its next owner to call 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 4% APR.
Your estimated payment
$5,425/mo
- Real estate (PITI + HOA + PMI)
- $5,186
- Utilities
- $524
- Transportation
- $136
- Other (entertainment)
- $158
Principal + interest$3,175
Property tax + insurance$1,748
PMI / 2nd mortgage$263
Heating + cooling$100
Internet + TV + phone$158
Water + sewer + garbage$58
Car insurance + maintenance$136
Budget$5,925/mo
Remaining after TLC$500/mo
Purchase price
$699,999
Down payment
$35,000 (5%)
Loan amount
$664,999
APR
4%
Quick facts
Type
Single Family Residence
Style
Colonial, Two Story
Year built
1998
Lot size
0.1019 ac
Stories
2
Heating
Central, Forced Air
Cooling
Central Air
Water
Public
HOA
—
Annual tax
$12,652
MLS #
2617963R
County
Middlesex
At a glance
Air conditioning
Fireplace
Basement
Garage (1)
Dishwasher
Home features
Appliances
DishwasherDryerGas Range/OvenMicrowaveRefrigeratorWasherGas Water Heater
Interior
KitchenLiving RoomDining Room4 BedroomsBath FullBath MainNone
Exterior
Patio
Parking
1 Car WidthGarageAttachedBuilt-In GarageDetached
Patio & porch
Patio
Fireplace
Gas
Kitchen
Granite/Corian CountertopsKitchen IslandEat-in Kitchen
Dining
Formal Dining Room
Master bedroom
Walk-In Closet(s)Half Bath
Flooring
Ceramic Tile
Roof
Asphalt
Sewer
Public Sewer
Ownership
Fee Simple
Lot features
Near Shopping, Near Train, Near Public Transit
Neighborhood — 08863
| Metric | This ZIP | County | USA |
|---|---|---|---|
| Population | 14,849 | 8,832,837 | 299,088,112 |
| Population Change Since1990 | 8.00% | 14.00% | 20.00% |
| Population Density | 8,042 | 1,137 | — |
| Male | 7,219 | 4,307,827 | 147,432,321 |
| Female | 7,630 | 4,525,010 | 151,655,844 |
| Never Married | 2,906 | 1,965,811 | 63,775,926 |
| Married | 6,748 | 3,647,435 | 123,120,365 |
| Separated | 521 | 391,239 | 12,639,686 |
| Widowed | 917 | 515,172 | 15,467,586 |
| Divorced | 960 | 529,393 | 23,075,029 |
| Number Of House Hold | 5,657 | 3,167,345 | 111,826,380 |
| Average House Hold Size | 2.62 | 2.73 | 2.60 |
| Medial Age | 37.02 | 37.15 | 35.46 |
| Median House Hold Income | $70,869 | $63,392 | $48,276 |
| Average House Hold Income | $78,507 | $83,312 | $63,629 |
| P C I | $29,942 | $30,662 | $24,529 |
| M D I | $57,728 | $52,505 | $41,133 |
| A T H E | $59,571 | $61,369 | $50,898 |
| S T R | 7.00% | 7.00% | — |
| W C J | 81.51% | 81.02% | 77.74% |
(Zip) Code
8863
Data via Certihomes neighborhood index. Comparisons across this ZIP, county and the United States.
Map & walkability
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Listing information last refreshed 6/27/2026. Provided courtesy of JASON MITCHELL REAL ESTATE NJ via Central Jersey Multiple Listing System, INC. Information deemed reliable but not guaranteed.