Welcome to 440 3rd Street, a spacious and thoughtfully maintained 4-bedroom, 2.5-bath home offering room to grow in a desirable Dunellen neighborhood. This expanded Cape Cod-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 an en-suite bath and generous closet space, while three additional bedrooms provide flexibility for guests, a home office or changing household needs. A full unfinished basement, expansive walkup attic and attached garage offer exceptional storage and future expansion potential 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. Additional highlights include low-maintenance vinyl siding backed by a transferable lifetime warranty. Conveniently located near parks, schools, downtown Dunellen, major highways and NJ Transit with direct rail service to New York Penn Station, this move-in ready home offers space, versatility and convenience. As an added benefit, the property qualifies for a First Time Homebuyer Program available to buyers who have not owned a home in the past three years. Qualified purchasers may be eligible for financing with as little as 5% down, a competitive 30-year fixed interest rate, no PMI with less than 20% down, no points and a waived bank fee, making this an exceptional opportunity for buyers seeking both value and affordability.