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55 Central Ln
Property Overview
Active Listing
1 / 11
11 listing photos · Tap Enlarge for full-size view
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Specs
5
Beds
2
Baths
Interior Living Space (Sq Ft)
1060 sq ft
Lot Size (Sq Ft)
4,278 sq ft
Year Built
1990
Price/Sq Ft (Living Area)
0$
Price/Sq Ft (Lot Size)
163$
Lifestyle
Walk Score
0
Transit Score
20
Neighborhood Vibe
A calculation based on nearby amenity density.
Taxes
%
FY 2025
Tax Year
Annual Tax
$6,400
Assessed Value
$156,400
Last Sale
2018
$440,000
Price History
Zestimate Range
$443k – $784k
+37.9%
since 2016
2016: $512kNow: $706k
Zillow Zestimate history · 121 data points
Safety & Hazards
A
Safety Rating
Based on Crime & Hazards
Crime Rate Index
Very Low
0/100
Flood Risk
House in Flood Zone (specific FEMA zone not identified in public records)
Secaucus has experienced significant flooding incidents, including Route 3 closures in April 2024 due to heavy rain, widespread flooding from Tropical Storm Ida in September 2021 affecting over 100 homes with overflowing sewers and basements, and severe flooding in September 2018 comparable to Hurricane Irene, with sewage backing up into homes and evacuations. Climate Central also indicates a risk of at least one flood over 6 ft between today and 2050 due to rising sea levels in the Secaucus area.
Zumintel Report
EVALUATED FOR: HOUSE HACK (LTR UNIT)
55 Central Ln, Secaucus, NJ 07094
SINGLE_FAMILY•July 25, 2026•MLS #260012087
61/100
House Hack Score
Executive Summary
Verdict Locked
Based on current list price and market conditions.
Est. Price
$699,000
Square Feet
1,060
Year Built
1920
Configuration
5bd / 2ba
Market Context
- Pricing PositionStrong seller's market with significant year-over-year appreciation and low inventory.
- Liquidity RiskLow risk; homes sell quickly with a faster selling pace compared to the previous year.
- NeighborhoodUrban-suburban mix with a strong sense of community, highly-rated schools, and convenient access to NYC.
- Local MarketMedian Neighborhood Price: $707,000 (+15.9% YoY)Market Velocity: Increasing • Inventory: Low • Avg DOM: 47 days
- Investment PotentialEstimated Rent: $3,992/moCap Rate: 4.45% • 5-Year Growth: -
Location & Commute
- The neighborhood offers a quiet residential feel with good access to parks, schools, shopping, dining, and transportation options to NYC.
- Public schools in Secaucus are highly rated, with the district receiving an A- grade and ranking 1st in Hudson County.
- Walkability is generally considered low (Walk Score 25), indicating car dependency, though public transit options are available.
- Secaucus boasts a safety grade of A with violent crime rates significantly lower than the national average, though property crime rates are higher than average.
Payment Calculator
$
$
Assumptions & Methodology
- •STR Data: Nightly yields mapped from regional AVM adjusted comps using a conservative median occupancy baseline. Verified via AI context.
- •Cap Rate: Derived mathematically (Market Adjusted Gross Yield minus standard expense, maintenance, and vacancy ratios).
- •Standard Math: Standard principle and interest amortized over 30-year fixed rates. Taxes and insurance are estimations.
Estimated Monthly Payment
$5,000
Principal & Interest
$3,535Operating Expenses/mo
$1,465House Hack Impact
Estimated Payment$5,000
-Projected Rental Income-$1,597
Net Payment Out-of-Pocket$3,403/mo
The conventional US estimated payment calculation is for informational purposes only. Users are free to make their financial decisions based on their personal economic, ethical and religious belief systems.
Financial Performance
Based on 6.5% rate · 20% down · 30-yr fixedInvestment Analysis Locked
Detailed Cash Flow, Cap Rate, and ROI projections are available for Builder+ plans or by using Top-Up Credits.
Upgrade to Unlock Investment DataComparative Market Analysis
Validate the asking price against recent comparable sales in the area. Includes similarity scoring, price adjustments, and exclusion reasoning.
Strategic Assessment
Key Advantages
- •Strong year-over-year appreciation of 15.9% and a low average days on market (47 days) indicate a robust seller's market.
- •Highly-rated public school district and a family-friendly neighborhood with good community amenities.
- •Versatile floor plan and multi-level layout offer potential for house hacking through internal room or unit rentals.
- •Convenient access to NYC via public transportation and major highways.
Considerations
- •Property is located in a flood zone and Secaucus has a history of significant flooding.
- •Secaucus's property crime rates are noted as higher than national averages, though violent crime is lower.
- •External Accessory Dwelling Units (ADUs) for human habitation are not permitted by Secaucus zoning regulations.
- •The Walk Score of 25 indicates the area is car-dependent.
Due Diligence
- •Verify the specific FEMA flood zone designation for the property to understand insurance requirements and potential flood mitigation needs.
- •Investigate local permitting for internal conversions or modifications to create separate rentable units within the existing structure, given ADU restrictions.
10-Year Wealth Outlook
10-Year Wealth Outlook · Pro+
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Verdict Locked
Analyst Verdict
Based on current list price and market conditions.
STRONG BUY
Use-Case Alignment
living
High Match
Short-Term
Low Match
Living+STR
Low Match
rental
Medium Match
House Hack
High Match
flip
Low Match
Disclaimer: This report is for informational purposes only and does not constitute financial or real estate advice. Zumintel is not liable for any inaccuracies or the condition of the property. Users should conduct their own due diligence.
Definitions & Methodology
Cap Rate (Capitalization Rate)Net Operating Income (NOI) divided by the property asset value. It indicates the potential rate of return on the real estate investment.
Investment ScoreA proprietary composite score (0-100):
- 80-100: Excellent (Strong Cashflow & Potential)
- 60-79: Good (Stable, Moderate Returns)
- 40-59: Fair (Value Add Required)
- <40: Risky (Negative Cashflow/High Risk)
Walk ScoreA measure of walkability based on the distance to nearby amenities. 90-100 is a "Walker's Paradise".
Transit ScoreEstimates how well a location is served by public transport. Calculated based on distance to nearest stops and frequency.
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