CCertihomes
227 Bay Avenue, Leonardo, NJ 07737

$849,900

4 beds 3 baths 2,304 sqft Built 20200 days on marketActive

About this home

Welcome to this beautiful newer-construction single-family home, built in 2020 and offering 2, 304 square feet of thoughtfully designed living space. This immaculate home features 3 spacious bedrooms plus a dedicated private office, which can also provide the flexibility of a 4th bedroom. With 2.5 beautifully finished bathrooms, a formal dining room, and an upscale eat-in kitchen, the home offers modern comfort, style, and functionality throughout. Located in the desirable Leonardo section of Middletown Township, this property puts you close to the bayshore, local beaches, commuter routes, and top-rated schools. And the views are truly special. Enjoy waterviews with views toward Sandy Hook, the Verrazzano-Narrows Bridge, and the NYC skyline. Offered at $849, 900,

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
$6,267/mo

Real estate (PITI + HOA + PMI)
$6,152
Principal + interest$3,855
Property tax + insurance$1,978
PMI / 2nd mortgage$319
Utilities
$478
Heating + cooling$102
Internet + TV + phone$158
Water + sewer + garbage$58
Transportation
$116
Car insurance + maintenance$116
Other (entertainment)
$158
$6,267/mo TLC
Budget$6,767/mo
Remaining after TLC$500/mo
Purchase price
$849,900
Down payment
$42,495 (5%)
Loan amount
$807,405
APR
4%

Quick facts

Type
Single Family Residence
Style
Traditional, Custom Development
Year built
2020
Lot size
—
Stories
3
Heating
Forced Air
Cooling
Central Air
Water
Public
HOA
—
Annual tax
$13,482
MLS #
2705899R
County
Monmouth

At a glance

Air conditioning
Basement
Dishwasher
Waterfront

Home features

Appliances
DishwasherGas Range/OvenSelf Cleaning OvenGas Water Heater
Interior
Living RoomDining RoomKitchen4 BedroomsBath FullBath MainAttic
Exterior
DeckStorage ShedScreen/Storm WindowYardInsulated Pane WindowsOpen Porch(es)Basement
Parking
2 Car WidthAsphaltAdditional ParkingGravelCovered
Patio & porch
DeckPorch
Pool
None
Kitchen
Eat-in KitchenGranite/Corian CountertopsKitchen IslandCountry Kitchen
Dining
Living Dining Combo
Master bedroom
Full BathWalk-In Closet(s)
Accessibility
Elevator
Flooring
Wood, Ceramic Tile
Roof
Asphalt
Sewer
Public Sewer
Ownership
Fee Simple

Lot features

Dead - End Street, Waterview, Waterfront

Neighborhood — 07737

MetricThis ZIPCountyUSA
Population6,0358,832,837299,088,112
Population Change Since1990-13.00%14.00%20.00%
Population Density2,4831,137—
Male2,9944,307,827147,432,321
Female3,0414,525,010151,655,844
Never Married1,2551,965,81163,775,926
Married2,7723,647,435123,120,365
Separated106391,23912,639,686
Widowed340515,17215,467,586
Divorced350529,39323,075,029
Number Of House Hold2,0383,167,345111,826,380
Average House Hold Size2.912.732.60
Medial Age38.8637.1535.46
Median House Hold Income$83,444$63,392$48,276
Average House Hold Income$94,977$83,312$63,629
P C I$32,074$30,662$24,529
M D I$66,408$52,505$41,133
A T H E$67,651$61,369$50,898
S T R7.00%7.00%—
W C J74.84%81.02%77.74%
(Zip) Code
7737

Data via Certihomes neighborhood index. Comparisons across this ZIP, county and the United States.

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Recently sold nearby

Central Jersey Multiple Listing System, INC

Listing information last refreshed 10/7/2026. Provided courtesy of EXP REALTY, LLC via Central Jersey Multiple Listing System, INC. Information deemed reliable but not guaranteed.