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185 W Cliff St , Somerville Boro, NJ 08876
$649,000
Est. Payment: $3,504.61/mo
4 Bed
2 Bath
0.2 Acres
Status: active | Days on site: 143
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House Description

Historic Charm Meets Modern Convenience in Downtown SomervilleA rare opportunity to own a charming two-unit home in the heart of Somerville, combining historic character, rental income, dedicated parking, and low-maintenance ownership just moments from vibrant downtown.The first-floor unit features a spacious 1-bedroom, 1-bath layout with a living room, formal dining room, and kitchen. Long-term tenants currently pay $2,000 per month, and the layout offers potential for reconfiguration into a 2-bedroom unit for added future value.The recently renovated second-floor unit features 2 bedrooms, 1 full bath, and a versatile bonus room. Restored original hardwood floors, fresh paint, and updated lighting complement its preserved historic charm. This unit is currently rented for $2,800 per month under a six-month tenant agreement.Each unit has two entrances for added privacy and two dedicated off-street parking spaces. A welcoming wraparound porch with low-maintenance composite decking, a large dry basement with laundry hookups, and ample storage add to the property?s appeal.A long-standing shared parking arrangement includes lawn care, snow removal, parking lot repairs, and lot maintenance, saving the owner an estimated $5,000 annually.Conveniently located near NJ Transit with direct NYC service and close to Somerville?s restaurants, shops, cafés, and entertainment, this property offers a compelling blend of character, convenience, and income potential.

Highlights

Listed by ERICA SILVESTRI , MP KELLER WILLIAMS TOWNE SQUARE REAL , 908-766-0085. Garden State MLS

Property Type

Multi-Family

Lot/Acreage
0.2

Year Built

1910

County

Somerset

Listing ID

4034239

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Basement:Bilco-Style Door,Full,Unfinished
Other:
  • ▪ Additional:Carbon Monoxide Detector, Smoke Detector, Wood Floors
Water:Public Water

Exterior Features

Lot Dimensions:50X176
Roof:Asphalt Shingle
Others:
  • ▪ Additional:OpenPrch, Sidewalk, FencVnyl, Wood, Wood Shingle, Assigned, Blacktop, Off-Street Parking, On-Street Parking, Parking Lot-Shared
Sewer:Public Sewer
Principal Interest
$3,505
Taxes
$839

Home Price

$649,000

Loan Details

30 yrs
7.144%

Down Payment

20%
$129,800
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:
$3,504.61

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,504.61 $838.83 $0.00 $4,343.44
Yearly $42,055.29 $10,066.00 $0.00 $52,121.29
Total $1,261,658.67 $301,980.00 $0.00 $1,563,638.67
Lender profile image
Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Somerville Boro, 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 Garden State MLS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-11-13T17:58:39.000Z

© 2026 Garden State MLS