CCertihomes
74 Walnut Street, Spotswood, NJ 08884

$399,000

2 beds 1 baths Built 19480 days on marketActive

About this home

Welcome to this charming, move-in ready two-bedroom, one-bath ranch in desirable Spotswood! This inviting home features a welcoming front foyer, comfortable living room, functional kitchen with an oversized pantry, central air, and forced hot air heat for year-round comfort. Off the rear of the kitchen, a spacious wood deck overlooks an impressive 250-foot deep lot, providing plenty of room to relax, entertain, and enjoy the outdoors. An adjacent vacant lot adds an exceptional sense of privacy and openness. With its move-in ready condition, generous property, and affordable price point, this is a fantastic opportunity for first-time buyers, downsizers, or anyone looking for a great value in today's market. Don't miss this opportunity to make this charming Spotswood home your own!

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
$3,357/mo

Real estate (PITI + HOA + PMI)
$3,001
Principal + interest$1,810
Property tax + insurance$1,041
PMI / 2nd mortgage$150
Utilities
$550
Heating + cooling$113
Internet + TV + phone$158
Water + sewer + garbage$58
Transportation
$127
Car insurance + maintenance$127
Other (entertainment)
$158
$3,357/mo TLC
Budget$5,000/mo
Remaining after TLC$1,643/mo
Purchase price
$399,000
Down payment
$19,950 (5%)
Loan amount
$379,050
APR
4%

Quick facts

Type
Single Family Residence
Style
Ranch
Year built
1948
Lot size
0.287 ac
Stories
1
Heating
Forced Air
Cooling
Central Air, Ceiling Fan(s)
Water
Public
HOA
Annual tax
$7,311
MLS #
2704610R
County
Middlesex

At a glance

Air conditioning
Basement
Dishwasher

Home features

Appliances
DishwasherDryerGas Range/OvenRefrigeratorWasherGas Water Heater
Interior
Entrance Foyer2 BedroomsKitchenLiving RoomBath FullNone
Exterior
DeckFencing/WallStorage ShedYard
Parking
1 Car Width2 Cars DeepAsphaltDrivewayOn StreetPaved
Patio & porch
Deck
Kitchen
Pantry
Flooring
Carpet, Ceramic Tile, Wood
Roof
Asphalt
Sewer
Public Sewer
Ownership
Fee Simple

Lot features

Level

Neighborhood — 08884

MetricThis ZIPCountyUSA
Population7,8948,832,837299,088,112
Population Change Since19903.00%14.00%20.00%
Population Density3,1561,137
Male3,8284,307,827147,432,321
Female4,0664,525,010151,655,844
Never Married1,4441,965,81163,775,926
Married3,7253,647,435123,120,365
Separated166391,23912,639,686
Widowed625515,17215,467,586
Divorced464529,39323,075,029
Number Of House Hold3,0983,167,345111,826,380
Average House Hold Size2.542.732.60
Medial Age39.4737.1535.46
Median House Hold Income$61,994$63,392$48,276
Average House Hold Income$77,145$83,312$63,629
P C I$30,276$30,662$24,529
M D I$51,446$52,505$41,133
A T H E$58,915$61,369$50,898
S T R7.00%7.00%
W C J74.78%81.02%77.74%
(Zip) Code
8884

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 9/16/2026. Provided courtesy of RE/MAX FIRST REALTY, INC. via Central Jersey Multiple Listing System, INC. Information deemed reliable but not guaranteed.

74 Walnut Street · Spotswood — $399,000 · Certihomes