CCertihomes
21 Spruce Street, Carteret, NJ 07008

$529,000

3 beds 2 baths 972 sqft Built 196269 days on marketClosed

About this home

Let's Welcome to this beautifully maintained 3-bedroom, 1 full-bath ranch situated on a desirable corner lot w/ an oversized detached garage. This home offers comfortable one-level living with plenty of storage space. Enjoy outdoor entertaining on the brand-new deck and fenced-in yard, both completed in 2025, providing privacy and the perfect space for gatherings. The walkout basement features exterior access through newly installed doors and offers additional finished rooms, ideal for a home office, recreation area, and/or gym. A second full bathroom is located in the basement. New roof was installed a few years back along with solar panels for enhanced energy efficiency. Siding is brand new. The central air conditioning condenser is only four years young, providing peace of mind and comfort during warmer months. Combining functional living space and a prime corner-lot location, this ranch is one you won't want to miss!

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
$3,952/mo

Real estate (PITI + HOA + PMI)
$3,687
Principal + interest$2,399
Property tax + insurance$1,090
PMI / 2nd mortgage$198
Utilities
$447
Heating + cooling$62
Internet + TV + phone$157
Water + sewer + garbage$58
Transportation
$136
Car insurance + maintenance$136
Other (entertainment)
$157
$3,952/mo TLC
Budget$5,000/mo
Remaining after TLC$1,048/mo
Purchase price
$529,000
Down payment
$26,450 (5%)
Loan amount
$502,550
APR
4%

Quick facts

Type
Single Family Residence
Style
Ranch
Year built
1962
Lot size
0.1148 ac
Stories
1
Heating
Forced Air
Cooling
Central Air
Water
Public
HOA
Annual tax
$6,947
MLS #
2617296R
County
Middlesex

At a glance

Air conditioning
Basement
Garage (1)
Dishwasher

Home features

Appliances
DishwasherDryerGas Range/OvenMicrowaveRefrigeratorRangeWasherGas Water Heater
Interior
3 BedroomsKitchenLiving RoomBath FullNone
Exterior
DeckFencing/WallYard
Parking
1 Car WidthGarageAttachedBuilt-In GarageDetached
Patio & porch
Deck
Kitchen
Eat-in Kitchen
Dining
Living Dining Combo
Master bedroom
1st Floor
Flooring
Ceramic Tile, Laminate, Parquet, Wood
Roof
Asphalt
Sewer
Public Sewer
Ownership
Fee Simple

Lot features

Corner Lot

Neighborhood — 07008

MetricThis ZIPCountyUSA
Population22,9578,832,837299,088,112
Population Change Since199015.00%14.00%20.00%
Population Density4,7471,137
Male11,2004,307,827147,432,321
Female11,7574,525,010151,655,844
Never Married5,1081,965,81163,775,926
Married8,8473,647,435123,120,365
Separated1,259391,23912,639,686
Widowed1,590515,17215,467,586
Divorced1,429529,39323,075,029
Number Of House Hold7,7803,167,345111,826,380
Average House Hold Size2.892.732.60
Medial Age36.9237.1535.46
Median House Hold Income$53,973$63,392$48,276
Average House Hold Income$61,282$83,312$63,629
P C I$21,545$30,662$24,529
M D I$45,382$52,505$41,133
A T H E$50,129$61,369$50,898
S T R7.00%7.00%
W C J86.06%81.02%77.74%
(Zip) Code
7008

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 6/24/2026. Provided courtesy of HALO REALTY via Central Jersey Multiple Listing System, INC. Information deemed reliable but not guaranteed.