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Single Family ResidenceResidential
$504,354$404 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 89How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

15 RIVER ST

SPOTSWOOD, NJ 08884
0
Baths
1,248 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.11 ac
Lot SizeThe size of the land the home sits on, from county records.
1956
Year BuiltThe year the home was originally built, according to county records.

Valuation

$504K
$451K low$558K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$303,354
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$242,683
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.44%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$171,000
PNC BANK NA · recorded Jan 28, 2020
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$30,000
PNC BK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,250 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$191,200 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$94,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$96,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$191,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$191,200

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyMIDDLESEX
Lot (acres)The size of the land the home sits on, from county records.0.12
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Spotswood High SchoolC+
High · Grades 9–12 · 0.9 mi
M
Spotswood Memorial Middle SchoolD
Middle · Grades 6–8 · 1.0 mi
E
G. Austin Schoenly Elementary School
Elementary · Grades PK–1 · 1.2 mi

District: Spotswood Borough School District

Neighborhood · ZIP 08884These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.101
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.98
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.95

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.1.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.8,671
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,442 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$106,651
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$126,780
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.48 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

15 River St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 71% of homes in Spotswood 08884
  • Costs more per square foot than 73% of homes in Middlesex County
  • Smaller than 74% of homes in Middlesex County
  • Has a smaller lot than 83% of homes in Spotswood 08884
  • Older than 65% of homes in Middlesex County

What homes are worth in Spotswood 08884

Each bar is how many homes fall in that price range. The marker is this home.

This home
$194K$947K

This home is worth more than 29% of homes in Spotswood 08884.

How it measures up in Spotswood 08884

The dot is this home. The mark in the middle is the typical home in Spotswood 08884.

Estimated value$504,354
CheaperTypical $581,024Pricier

Pricier than 29% of homes nearby

Price per ft²$404
CheaperTypical $379Pricier

Pricier than 64% of homes nearby

Living area1,248 ft²
SmallerTypical 1,468 ft²Bigger

Bigger than 31% of homes nearby

Lot size0.11 ac
SmallerTypical 0.23 acBigger

Bigger than 17% of homes nearby

Year built1956
OlderTypical 1957Newer

Newer than 49% of homes nearby

How 15 River St ranks against every home in each area.
MeasureThis homeSpotswood 08884Middlesex County
Estimated valuepricier than$504,35429% of homes31% of homes
Price per ft²pricier than$40464% of homes73% of homes
Living areabigger than1,248 ft²31% of homes26% of homes
Lot sizebigger than0.11 ac17% of homes32% of homes
Year builtnewer than195649% of homes35% of homes

About 15 River St

How much is 15 River St, Spotswood, NJ worth?

The TopHap Estimate for 15 River St, Spotswood, NJ is $504,354 as of Jul 14, 2026. The likely range is $450,683 to $558,025. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 15 River St, Spotswood, NJ last sell?

15 River St, Spotswood, NJ last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 15 River St, Spotswood, NJ?

15 River St, Spotswood, NJ has 1,248 square feet of living space and a 0.12-acre lot.

When was 15 River St, Spotswood, NJ built?

15 River St, Spotswood, NJ was built in 1956, making it 70 years old.

What schools serve 15 River St, Spotswood, NJ?

15 River St, Spotswood, NJ is assigned to Spotswood High School (high), rated C+; Spotswood Memorial Middle School (middle), rated D; G. Austin Schoenly Elementary School (elementary). All sit in Spotswood Borough School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 15 River St, Spotswood, NJ compare to other homes in Spotswood 08884?

Among the 2,534 homes in Spotswood 08884, it is worth more than 29% of them ($504,354 against a typical $581,024), its price per square foot is higher than 64% of them ($404 against a typical $379), it is bigger than 31% of them (1,248 ft² against a typical 1,468 ft²), its lot is bigger than 17% of them (0.11 ac against a typical 0.23 ac) and it is newer than 49% of them (1956 against a typical 1957). Measured against all of Middlesex County, it is worth more than 31% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 15 River St, Spotswood, NJ?

The 2025 property tax bill for 15 River St, Spotswood, NJ was $7,250. The county assessed it at $191,200.

More homes on River St

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More homes in Spotswood 08884

Assigned schools

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