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13 Cottonwood Dr , Jackson, NJ 08527
$889,000
Est. Payment: $4,800.61/mo
4 Bed
3 Bath
2634 Sqft
1.83 Acres
Status: active | Days on site: 37
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House Description

WHAT IF YOUR DREAM HOME CAME WITH LOWER MORTGAGE PAYMENTS FOR THE FIRST TWO YEARS? Here's an opportunity worth exploring! The seller is offering a seller-paid 2-1 mortgage rate buydown, allowing qualified buyers to potentially enjoy principal and interest payments calculated at a rate 2 percentage points lower in the first year and 1 percentage point lower in the second year. That's two years of potentially lower monthly payments while you settle into your new home! Welcome home to a beautifully updated retreat where bright interiors, inviting living spaces, and peaceful water views create a setting that feels special from the moment you arrive. Situated on 1.83 acres in Jackson, this stunning 4-bedroom, 2.5-bath home offers modern comfort, generous living space, and scenic surroundings. Step inside to a welcoming foyer and formal living room before entering the heart of the home, where the beautifully renovated kitchen features white cabinetry, stainless steel appliances, generous counter space, and an oversized center island. The adjoining dining and living areas offer an inviting atmosphere filled with natural light, complemented by a cozy wood-burning fireplace. Step onto the elevated deck and enjoy tranquil water views and surrounding greenery, perfect for morning coffee or evening relaxation. Upstairs, the spacious primary suite features a beautifully updated bathroom, while three additional bedrooms provide comfort and flexibility. The fully finished walkout basement offers additional living space ideal for entertaining, recreation, a home gym, or office, with direct access to the backyard. With its thoughtful updates, expansive property, and peaceful setting, this home offers an exceptional lifestyle opportunity. BEAUTIFUL HOME. PEACEFUL SETTING. AN EXTRA FINANCIAL ADVANTAGE! Schedule your private showing today! *Seller-paid 2-1 temporary mortgage buydown subject to lender approval, loan program requirements, and buyer qualification. The buydown temporarily reduces principal and interest payments based on rates 2 percentage points below the note rate in year one and 1 percentage point below in year two. Beginning in year three, payments are based on the full contractual note rate. The note rate itself does not change. Actual terms and savings may vary.*

Highlights

Listed by Emre Yucel , 8562780951 HomeSmart First Advantage Realty , 8563633000. Bright MLS

Property Type

Residential

Lot/Acreage
1.83

Year Built

1994

County

Ocean

Area

Jackson Twp (21512)

Neighborhood

Forest Mills

School District

Jackson Township

Listing ID

NJOC2045608

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Dryer, Oven/Range - Gas, Refrigerator, Stainless Steel Appliances, Washer, Washer/Dryer Stacked, Water Conditioner - Owned, Water Heater
Air Cond:Central A/C
Fireplaces:1 Fireplace
Above Ground Sq Ft:2634
Basement:Fully Finished,Walkout Level
Other:
  • ▪ Additional:Floor Plan - Open, Formal/Separate Dining Room, Kitchen - Island, Recessed Lighting, Sprinkler System, Upgraded Countertops
Water:Well

Exterior Features

Lot:Not New Construction,Horse Property: No
Garage Capacity:8
Zoning:R3
Roof:Shingle
Sewer:On Site Septic
Parking Features:Asphalt Driveway,Garage - Front Entry,Garage Door Opener,Inside Access,Attached Garage,Driveway,4+ Spaces,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$4,801
Taxes
$956

Home Price

$889,000

Loan Details

30 yrs
7.144%

Down Payment

20%
$177,800
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$4,800.61

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,800.61 $956.00 $0.00 $5,756.61
Yearly $57,607.32 $11,472.00 $0.00 $69,079.32
Total $1,728,219.66 $344,160.00 $0.00 $2,072,379.66
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Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Jackson, NJ).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bright MLS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-11-14T01:13:51.000Z

© 2026 Bright MLS