245 Union Street, Lodi, NJ, 07644 — Photo 11 / 22
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$599,000

245 Union Street, Lodi, NJ, 07644

MLS# 26027219

Active99d on marketPrice Reduced 8%

1,576

Sq Ft

0.074 acres (3,234 sqft)

Lot Size

1913

Year Built

Commercial — Office

Property Type

Description

Rare mixed-use two-unit property in Lodi, grandfathered for professional/commercial use on the ground floor, making it ideal for an accountant, attorney, or similar office use. This versatile property sits on a Res/Com zoned lot and provides flexibility for both investors and owner-users. The first-floor unit flows naturally from a spacious room that was originally the living room into what was formerly the dining room (with a half bath), creating an open, welcoming reception area. Beyond that lies the kitchen, which connects to a side room that was once a bedroom (with a half bath), as well as an exceptionally large additional room perfect for private offices, conference space, or storage. The layout offers the charm of a converted residential home while functioning efficiently as a professional office space. The second floor features a comfortable one-bedroom apartment with laundry, offering steady rental income potential or space for an owner-occupant, adding to the property's income-producing appeal. Parking for 3 cars available. Note that per current grandfathered zoning, the commercial use of the first-floor unit is protected only as long as it remains in professional/commercial use; converting the property to strictly residential use would permanently forfeit the right to use it commercially again in the future.

Tax & Financial Information

Annual Property Taxes$8,631 (NJ Public Records)
Tax Assessment$257,500
Land Assessment$148,300
Original List Price$650,000
ListedJuly 20, 2026

Listing Information

Listing Office: Americasa Realty LLC — 973-832-1815

Listing Agent: Gabriel Garces — (973) 653-7461 — gabe@americasa.realty

Information deemed reliable but not guaranteed. Data provided for consumer's personal, non-commercial use only. Last updated: 9/22/2026.

Total Monthly Cost

$4,576/mo

NJ has the highest property taxes in the US. This is your real cost.

Mortgage (30yr, 6.75%)$3,108
Property Taxes$719
Homeowner Insurance$250
Est. Maintenance$499
Total$4,576

Down: $119,800 | Loan: $479,200

Estimates for informational purposes only. Insurance, maintenance, and flood costs are approximations. Consult a lender and insurance agent for accurate quotes.

Commute From This Home

Lodi

🚂
Transit to NYC Penn

NJ Transit Bus 144

45 min
🚗
Drive to NYC (Midtown)
30 min
🚗
Drive to Hoboken/JC
18 min
🚗
Drive to Newark
18 min
🚉

Garfield Station

~2 mi from town center

Monthly Pass(Zone 4)$170/mo

Commute times are peak-hour estimates based on NJ Transit schedules and typical traffic. Actual times may vary. Drive times assume weekday morning rush hour.

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