CCertihomes
22 Elm Terrace, Sayreville, NJ 08859

$545,000

4 beds 2 baths Built 195511 days on marketActive

About this home

The main level of this home features a bright, open concept floor plan filled with natural light and updated modern finishes throughout. A welcoming dining room featuring stylish wood-look flooring, large light-filtering windows and entryway nook. At the heart of the main floor is a updated kitchen equipped with crisp white Shaker cabinetry, stainless steel appliances, granite countertops, a classic subway tile backsplash, and a multi-functional center island cart for additional storage and prep space. The kitchen flows right into a cozy living room with recessed lighting, and plenty of natural light. Three of the bedrooms on the main level with a full bath. Laundry closet and extra storage room. Modern neutral paint tones and warm flooring tie the entire downstairs together, creating a comfortable layout for living and entertaining The upper level features a spacious primary bedroom suite recessed LED lighting, durable wood-look flooring, and generous space for a king-size bed. Also includes a functional nook ideal for a dedicated home office or study workstation, along with mirrored sliding closet doors. Completing the level is a full bathroom outfitted with a custom-tiled walk-in shower featuring frameless glass, a mosaic tile floor, an updated vanity with contemporary fixtures. Modern amenities abound, including roof-mounted solar panels to help offset energy costs and a private paved driveway equipped with an EV charging station. Step into the expansive, fully shaded backyard retreat surrounded by mature foliage for maximum privacy. Perfect for outdoor dining and entertaining, the yard offers a large concrete patio, stone paver pathways, a pergola structure, and dual storage sheds. This versatile outdoor haven combines everyday functionality with plenty of room for relaxation, play, and hosting gatherings. Main sewer line has been replaced. Close to NYC commute with bus chain and Ferry close by. Sayreville offers plenty of Parks Jogging trails, horseback riding and a boat ramp. This home is conveniently located to shopping restaurants and all major roadway. Enjoy your new 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
$4,208/mo

Real estate (PITI + HOA + PMI)
$3,936
Principal + interest$2,472
Property tax + insurance$1,260
PMI / 2nd mortgage$204
Utilities
$487
Heating + cooling$113
Internet + TV + phone$143
Water + sewer + garbage$34
Transportation
$136
Car insurance + maintenance$136
Other (entertainment)
$143
$4,208/mo TLC
Budget$5,000/mo
Remaining after TLC$792/mo
Purchase price
$545,000
Down payment
$27,250 (5%)
Loan amount
$517,750
APR
4%

Quick facts

Type
Single Family Residence
Style
Cape Cod
Year built
1955
Lot size
0.1813 ac
Stories
2
Heating
Forced Air
Cooling
Central Air
Water
Public
HOA
Annual tax
$8,375
MLS #
2702927R
County
Middlesex

At a glance

Air conditioning
Basement
Dishwasher

Home features

Appliances
DishwasherDryerGas Range/OvenMicrowaveRefrigeratorWasherGas Water Heater
Interior
Entrance Foyer3 BedroomsKitchenLaundry RoomBath HalfLiving RoomStorageDining Room1 BedroomOther Room(s)None
Exterior
BarbecuePatioStorage Shed
Community
Playground
Parking
2 Car Width
Patio & porch
Patio
Kitchen
Kitchen IslandSeparate Dining Area
Dining
Formal Dining Room
Flooring
Ceramic Tile, Laminate
Roof
Asphalt
Sewer
Public Sewer
Ownership
Fee Simple

Lot features

Near Shopping, Near Train, Near Public Transit

Neighborhood — 08859

MetricThis ZIPCountyUSA
Population28,3978,832,837299,088,112
Population Change Since199023.00%14.00%20.00%
Population Density5,5931,137
Male13,9824,307,827147,432,321
Female14,4154,525,010151,655,844
Never Married5,6341,965,81163,775,926
Married13,0223,647,435123,120,365
Separated839391,23912,639,686
Widowed1,568515,17215,467,586
Divorced1,633529,39323,075,029
Number Of House Hold10,4063,167,345111,826,380
Average House Hold Size2.732.732.60
Medial Age36.8637.1535.46
Median House Hold Income$68,541$63,392$48,276
Average House Hold Income$73,849$83,312$63,629
P C I$27,103$30,662$24,529
M D I$56,249$52,505$41,133
A T H E$57,126$61,369$50,898
S T R7.00%7.00%
W C J80.95%81.02%77.74%
(Zip) Code
8859

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 8/18/2026. Provided courtesy of C21 CHARLES SMITH AGENCY, INC via Central Jersey Multiple Listing System, INC. Information deemed reliable but not guaranteed.