95 Holmes Mill Road
Cream Ridge, NJ, 08514 $ 1,250,000
Bedrooms3 Baths2.1 Sq 2,181 Monthly Estimate*
$ 7,696
for $1,250,000 with 3 bedrooms and 2 full baths, 1 half bath. This 2,181 square foot home was built in 1988 on a lot size of 20.4.
Set on 20.4 unpreserved acres in the heart of Cream Ridge, this exceptional property offers the rare combination of privacy, productivity, and future potential. Surrounded by preserved farmland and the Rutgers Agricultural Research Station, the setting is peaceful, scenic, and ideal for those seeking space to live, farm, or create something entirely new. The property is currently home to a successful cut-flower farm, with established perennial plantings, irrigation systems, high tunnels, and agricultural infrastructure already in place. Whether you continue the thriving flower operation or explore other agricultural uses, such as a nursery, lavender or Christmas tree farm, vegetables, livestock, or equestrian pursuits, the fertile, tillable soils and open acreage provide incredible versatility. Positioned up on a hill overlooking the fields, the 3-bedroom, 2.5-bath home offers over 2,200 sq ft of cozy living space, an oversized two-car garage, a large basement with direct access outside, and numerous recent updates including a new roof, heat pump, central air, and Anderson sliding doors. A large ground-mounted solar array (owned) significantly offsets electric costs, adding long-term efficiency to the property. A separate 800 sq ft apartment above a detached garage provides potential business space or flexible living space perfect for guests, extended family, or a farm manager, while additional workshop space and multiple outbuildings support a wide range of uses. While currently unpreserved but farmland tax accessed, this property qualifies for NJ Farmland Preservation, offering potential financial benefits while protecting the lands agricultural legacy. With three wells, two septic systems, multiple irrigation zones, and subdivision potential for three buildable lots, the opportunities here are as expansive as the landscape itself. A truly special property where country living, agricultural opportunity, and future possibilities come together on one remarkable piece of land. With the farm assessment in place, taxes are just over $10,000an outstanding value for a 20.4-acre property in New Jersey.
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FeaturesGeneralLiving Area 2181
Sewer On Site Septic
Heating Forced Air Heat Pump - Oil BackUp Solar - Active Wood Burn Stove
Cooling Central A/C
Possession Settlement
Roof Shingle
Zoning AR
Garage Spaces 2.00
Patio/Porch Features Deck(s)
Architectural Style Ranch/Rambler
Construction Materials Block Vinyl Siding
School District UPPER FREEHOLD REGIONAL SCHOOLS
Exclusions Refer to the listing agent
Year Built 1988
Electric 220 Volts
Levels 1
Tax Year 2025
Ownership Fee Simple
Cool Fuel Electric Solar Photovoltaic
Municipality UPPER FREEHOLD TWP
Accessibility Level Entry - Main No Stairs
County MONMOUTH
New Construction N
Property Type Residential
HOA N
Subdivision Name NONE
Garage Y/N Y
Water Access Y/N N
Other Structures Above Grade Below Grade
Total Rooms 7
Full Baths 2
Status ACTIVE
Directions From Chesterfield Arneytown Rd turn left onto Arneytown-Hornerstown Rd and another left onto Holmes Mill Rd
City CREAM RIDGE
Senior Community Y/N N
MLS Area Upper Freehold Twp (21351)
Lot Size Units Square Feet
Lot Size Square Feet 888624.00
Tax Annual Amount 9794.0
Structure Type Detached
Condo/Coop Association fee Y/N N
Bathrooms Full Main Level 2
Bathrooms Count Main Level 3.00
Price Per Sq Ft Total AG 573.13
Acceptable Financing Farm Credit Service Cash
Additional Parcels Y/N N
Vacation Rental Y/N N
Standard Status Active
Year Built Source Assessor
Tax Lot 00020 07
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InteriorInterior Amenities Kitchen - Island Kitchen - Eat-In Entry Level Bedroom Family Room Off Kitchen Formal/Separate Dining Room Kitchen - Country Pantry Recessed Lighting Skylight(s) Stove - Wood Wood Floors Carpet
Heating Fuel Oil Electric Solar
Basement Full Garage Access Poured Concrete Unfinished Walkout Stairs Workshop
Flooring Carpet Wood Ceramic Tile
Total Fireplaces 1
Fireplace Features Wood Stone
Hot Water Electric
Basement (Y/N) Y
Heating Y/N Y
Fireplace Y/N Y
Above Grade Finished Area 2181
Half Baths 1
Central Air Y/N Y
Total Bedrooms 3
Below Grade Finished Area 0
Room Type Living Room Dining Room Primary Bedroom Bedroom 2 Kitchen Family Room Bedroom 1
Main Level Bedrooms 3
Below Grade Finished Area Unit Type Square Feet
Laundry Type Main Floor
Below Grade Finished Area Source Assessor
Above Grade Finished Area Source Assessor
Above Grade Finished Area Unit Type Square Feet
Total Baths 3
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ExteriorPool No Pool
Fencing Fully
Parking Features Dirt Driveway Circular Driveway
Lot Features Level Trees/Wooded
Water Source Well
Inclusions Refer to the listing agent
Garage Features Garage Door Opener Garage - Side Entry Inside Access Oversized
Type of Parking Driveway Attached Garage
Foundation Details Block
Spa N
Water View Y/N N
Lot Size Acres 20.40
Lot Size Source Estimated
Waterfront Y/N N
Other Equipment Negotiable
Land Assessed Value 271000.00
Navigable Water Y/N N
Water Oriented Y/N N
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* Excluded FeaturesList BySmires & AssociatesBroker
realtor.srutidesai@gmail.comEmail
Affordability Calculator
- Monthly Principal & Interest
- $7,696
- Monthly Property Taxes
- $816
- Monthly Home Insurance
- --
Default based on a 30-year fixed rate of 6.25% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
Learn more about how to save NearbySingle family listings in Cream Ridge, NJ
Average List Price $1,080,211
Percent of Sale Price 14%
About Cream Ridge, NJ 4,612 Population
35% Since 2002
$ 116,096 Median Income
46.41 Median Age
34% Households with Children
Trends Information provided by ATTOM Data Solutions.
3535992 Elementary School
3535312 Middle School
Allentown H.S. High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 3/19/2026 | $1,250,000 | | Listed Price |