Flood Insurance is required. Seller is willing to pay the 1st years flood insurance premium for buyer. Opportunity is knocking! This charming older home blends timeless character with modern updates and offers a fantastic path to homeownership - this address may qualify for 100% USDA financing, and when paired with New Jersey First-Time Homebuyer grant programs, you may have an incredible opportunity to start building equity and generational wealth. Inside, you'll find 3 bedrooms and 2 full baths, plus a renovated third floor with two additional bonus rooms - ideal for home offices, guest rooms, hobby space, or flexible living. (Third floor currently has no heat; electric baseboard can be added.) The updated kitchen has been refreshed with stylish gray cabinetry, granite countertops, and stainless steel appliances, offering the finishes buyers are looking for. A spacious laundry room sits just off the kitchen along with a convenient first-floor full bath, and a side porch provides easy access for morning coffee or outdoor relaxation. The first floor features durable laminate flooring, while the bedrooms offer comfortable carpeting. A second full bath is located on the upper level. Enjoy warm summer evenings relaxing on the inviting front porch, while the fully fenced backyard offers room to create your own outdoor retreat. With charm, space, flexible bonus rooms, financing advantages, and the opportunity to make it your own, this home is one you won't want to miss! Flood Insurance Required