Welcome to 440 3rd Street, a spacious and thoughtfully maintained 4 bedroom, 2-and-a-half bath home offering room to grow in a desirable Dunellen neighborhood. This expanded cape-style residence features a bright and inviting living room with bay window, formal dining room, eat-in kitchen and a functional floor plan designed for comfortable everyday living. The private primary suite includes a private closet and en-suite bath, while three additional bedrooms provide flexibility for guests or a home office. A full unfinished basement, expansive attic storage and attached garage provide exceptional storage rarely found at this price point. Outside, a large rear deck overlooks the level backyard, creating an ideal setting for entertaining, relaxing or enjoying summer evenings at home. Conveniently located near parks, schools, downtown Dunellen, NJ Transit and major highways, this is a special opportunity to own a move-in ready home offering space, versatility and value. As an added benefit, the property qualifies for a First Time Homebuyer Program which is anyone who has not owned a home in the last 3 years. Minimum 5% down payment required. 30 yr fixed 5.75% with no points, no PMI required if putting less than 20% down, bank fee waived. Making this an exceptional opportunity for buyers seeking both value and lifestyle in a well-kept home.