CCertihomes
686 Colgate Avenue, Perth Amboy, NJ 08861

$390,000

2 beds 1 baths 928 sqft Built 19420 days on marketActive

About this home

Welcome home to this bright and inviting 2-bedroom, 1-bath half-duplex in the desirable town of Perth Amboy. A new front porch/deck welcomes you into an open living and dining area ideal for entertaining. The galley kitchen has plenty of cabinet space and countertop for cooking/ pantry for extra storage. Kitchen opens to a fenced backyard perfect for summer BBQs and safe outdoor play.The full basement is full of endless possibilities for your family. 2nd floor has 2 Generously sized bedrooms and a newer full bath. Brand New Roof, HWH 1.5 years old/ Gas hookup for stove/seller preferred electric cooking.Hardwood is under all carpet!! Located on a quiet street in the heart of town, this home is close to shopping, dining, waterfront sunsets, major highways, and commuter depots with easy access to NYC. A Must See!!

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
$3,777/mo

Real estate (PITI + HOA + PMI)
$3,480
Principal + interest$2,512
Property tax + insurance$822
PMI / 2nd mortgage$146
Utilities
$438
Heating + cooling$82
Internet + TV + phone$158
Water + sewer + garbage$58
Transportation
$145
Car insurance + maintenance$145
Other (entertainment)
$158
$3,777/mo TLC
Budget$5,000/mo
Remaining after TLC$1,223/mo
Purchase price
$390,000
Down payment
$19,500 (5%)
Loan amount
$370,500
APR
7.19%

Quick facts

Type
Single Family Residence
Style
1/2 Duplex, Colonial, Two Story
Year built
1942
Lot size
Stories
2
Heating
Forced Air
Cooling
Central Air
Water
Public
HOA
Annual tax
$5,231
MLS #
2700857R
County
Middlesex

At a glance

Air conditioning
Basement
Dishwasher

Home features

Appliances
DishwasherElectric Range/OvenRefrigeratorGas Water Heater
Interior
BlindsDrapes-See RemarksFirealarmShades-ExistingKitchenLiving RoomDining Room2 BedroomsBath FullNone
Exterior
Open Porch(es)DeckPatioEnclosed Porch(es)SidewalkStorage ShedYard
Community
Sidewalks
Parking
Concrete2 Cars DeepDrivewayOn StreetHard Surface
Patio & porch
PorchDeckPatioEnclosed
Pool
None
Kitchen
Galley Type
Dining
Living Dining Combo
Security
Fire Alarm
Flooring
Carpet, Wood, Laminate, Vinyl-Linoleum
Roof
Asphalt
Sewer
Public Sewer
Ownership
Fee Simple

Lot features

Near Shopping, 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.

Map & walkability

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Recently sold nearby

Central Jersey Multiple Listing System, INC

Listing information last refreshed 7/17/2026. Provided courtesy of KELLER WILLIAMS REALTY via Central Jersey Multiple Listing System, INC. Information deemed reliable but not guaranteed.

686 Colgate Avenue · Perth Amboy — $390,000 · Certihomes