CCertihomes
278 Rector Street, Perth Amboy, NJ 08861

$800,000

4 beds 2 baths Built 20025 days on marketActive

About this home

Great Location + Loads of Updates = A great place to call home! Just 2 blocks from the waterfront and marina, this home is not to be missed. On the upper level, you'll find gleaming hardwood floors throughout the living room, dining area and bedrooms. A skylight in the kitchen highlights the new cabinets, quartz countertops and modern Samsung stainless steel appliance package. A spacious and brand new bathroom completes the upper floor. Downstairs, you'll find a huge recreation room, along with an office/mudroom, another fully remodeled bathroom and the 2-car garage with a newly epoxied floor. LED lighting throughout the home gives a bright and modern look. Outside, the first thing you'll notice is the new paver driveway. Balconies in both the front and rear of the home offer plenty of options for outdoor relaxation. And of course, the large fenced backyard is ready for entertaining. Additional features include a newer roof, water heater, furnace and central A/C, and solar powered attic fan. Come and see it 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, 30YrFixed at 7.19% APR.

Your estimated payment
$7,787/mo

Real estate (PITI + HOA + PMI)
$7,522
Principal + interest$5,154
Property tax + insurance$2,068
PMI / 2nd mortgage$300
Utilities
$632
Heating + cooling$154
Internet + TV + phone$158
Water + sewer + garbage$58
Transportation
$145
Car insurance + maintenance$145
Other (entertainment)
$158
$7,787/mo TLC
Budget$8,287/mo
Remaining after TLC$500/mo
Purchase price
$800,000
Down payment
$40,000 (5%)
Loan amount
$760,000
APR
7.19%

Quick facts

Type
Single Family Residence
Style
Bi-Level
Year built
2002
Lot size
0.1708 ac
Stories
2
Heating
Forced Air
Cooling
Central Air
Water
Public
HOA
Annual tax
$14,622
MLS #
2662370M
County
Middlesex

At a glance

Air conditioning
Garage (2)
Dishwasher

Home features

Appliances
DishwasherDryerGas Range/OvenMicrowaveRefrigeratorWasherGas Water Heater
Interior
IntercomSkylightBath FullFamily RoomUnfinished/Other RoomOther Room(s)4 BedroomsDining RoomKitchenLiving RoomAttic
Exterior
CurbsFencing/WallPatioYard
Community
Curbs
Parking
2 Car WidthPaver BlocksAttachedGarage Door Opener
Patio & porch
Patio
Kitchen
Granite/Corian CountertopsSeparate Dining Area
Dining
Living Dining Combo
Flooring
Ceramic Tile, Wood
Roof
Asphalt
Sewer
Public Sewer
Ownership
Fee Simple

Lot features

Level

Neighborhood — 08861

MetricThis ZIPCountyUSA
Population46,7828,832,837299,088,112
Population Change Since199020.00%14.00%20.00%
Population Density8,5841,137
Male23,3924,307,827147,432,321
Female23,3904,525,010151,655,844
Never Married12,5231,965,81163,775,926
Married14,3943,647,435123,120,365
Separated3,833391,23912,639,686
Widowed2,051515,17215,467,586
Divorced3,067529,39323,075,029
Number Of House Hold14,3073,167,345111,826,380
Average House Hold Size3.232.732.60
Medial Age31.7837.1535.46
Median House Hold Income$41,463$63,392$48,276
Average House Hold Income$52,403$83,312$63,629
P C I$16,734$30,662$24,529
M D I$36,156$52,505$41,133
A T H E$45,041$61,369$50,898
S T R7.00%7.00%
W C J80.27%81.02%77.74%
(Zip) Code
8861

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 7/1/2026. Provided courtesy of C21 CHARLES SMITH AGENCY, INC via Central Jersey Multiple Listing System, INC. Information deemed reliable but not guaranteed.