114 Oak St

**Special Financing with 2/1 Buydown Offered By Seller, with starting interest rate of 3.625%** A fully detached, modernized Victorian farmhouse on a 25×100 lot with an oversized backyard — a rare find in Jersey City. Configured as a two-family pltus a bonus third unit with its own private entrance, the property offers flexible living or rental income. You’re about 30 minutes from Manhattan and 10 minutes to Berry Lane Park and the Light Rail in Bergen-Lafayette. Original charm meets thoughtful updates: a tiled lemonade porch, restored historic doors and staircase, decorative fireplaces, and elegant interior columns. Inside, the home has been renewed with brand-new kitchens featuring light green shaker cabinetry, quartz countertops, and stainless steel appliances, along with updated baths finished in designer tile and modern fixtures. The layout is built for both owners and investors. The top floor is a bright three-bedroom, two-bath residence ideal for generating income. The first floor offers two bedrooms and one bath, formal living and dining rooms, a sunny kitchen, an enclosed porch, and direct access to the oversized yard. The garden level adds a two-bedroom, one-bath suite with a private entrance—perfect for extended family, an in-law suite, or Airbnb-style use. Modern comfort comes from new 2025 energy-efficient mini-split central air and heat pumps for year-round climate control. With seven bedrooms, four bathrooms, and rare outdoor space, this home delivers historic character, modern convenience, and versatility in one of Jersey City’s fastest-growing neighborhoods. **Special financing available with preferred lender Jackie Koven at Cross Country Mortgage. Grants ranging from $15,000 to $22,000 available for down payment and/or closing cost assistance. Interest rates as low as 3.625% with 2/1 Buy Down**