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Single Family ResidenceResidential
$665,793$467 / 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 95How 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
Last sold for $141,500 on Sep 13, 1991

281 RICHARD ST

BELFORD, NJ 07718
3
Beds
2
Baths
1,427 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.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
1957
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$666K
$630K low$702K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$141,500 · Sep 13, 1991
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.$411,897
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$329,518
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.38%
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.$153,896
GMI HOME LOANS LLC · recorded Apr 21, 2011
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.$100,000
CITIZENS BK/PA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$9,398 (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.$642,900 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$451,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$191,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$582,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$642,900

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.15
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
28
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
47
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Bi-Level
CountyMONMOUTH
Lot (acres)The size of the land the home sits on, from county records.0.23
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 300 ft²Patio · 664 ft²

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

E
Bayview Elementary SchoolC
Elementary · Grades KG–5 · 0.3 mi
H
Middletown High School NorthC
High · Grades 9–12 · 0.9 mi
M
Bayshore Middle SchoolB+
Middle · Grades 6–8 · 1.4 mi

District: Middletown Township School District

Neighborhood · ZIP 07718These 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.61
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.104
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.96

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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.32%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.5,096
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,092 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$150,780
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$165,342
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.47 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

281 Richard 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.

  • Costs more per square foot than 78% of homes in Belford 07718
  • Smaller than 74% of homes in Monmouth County
  • Older than 71% of homes in Monmouth County

What homes are worth in Belford 07718

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

This home
$400K$980K

This home is worth more than 61% of homes in Belford 07718.

How it measures up in Belford 07718

The dot is this home. The mark in the middle is the typical home in Belford 07718.

Estimated value$665,793
CheaperTypical $633,677Pricier

Pricier than 61% of homes nearby

Price per ft²$467
CheaperTypical $392Pricier

Pricier than 78% of homes nearby

Living area1,427 ft²
SmallerTypical 1,566 ft²Bigger

Bigger than 40% of homes nearby

Lot size0.23 ac
SmallerTypical 0.23 acBigger

Bigger than 50% of homes nearby

Year built1957
OlderTypical 1957Newer

Newer than 55% of homes nearby

How 281 Richard St ranks against every home in each area.
MeasureThis homeBelford 07718Monmouth County
Estimated valuepricier than$665,79361% of homes39% of homes
Price per ft²pricier than$46778% of homes74% of homes
Living areabigger than1,427 ft²40% of homes26% of homes
Lot sizebigger than0.23 ac50% of homes48% of homes
Year builtnewer than195755% of homes29% of homes

About 281 Richard St

How much is 281 Richard St, Belford, NJ worth?

The TopHap Estimate for 281 Richard St, Belford, NJ is $665,793 as of Jul 14, 2026. The likely range is $629,846 to $701,740. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 281 Richard St, Belford, NJ last sell?

281 Richard St, Belford, NJ last sold on Sep 13, 1991 for $141,500, according to the county's recorded deed.

How big is 281 Richard St, Belford, NJ?

281 Richard St, Belford, NJ has 3 bedrooms, 2 bathrooms, 1,427 square feet of living space and a 0.23-acre lot.

When was 281 Richard St, Belford, NJ built?

281 Richard St, Belford, NJ was built in 1957, making it 69 years old. It is a bi-level home. The building has 1 story.

What schools serve 281 Richard St, Belford, NJ?

281 Richard St, Belford, NJ is assigned to Bayview Elementary School (elementary), rated C; Middletown High School North (high), rated C; Bayshore Middle School (middle), rated B+. All sit in Middletown Township School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 281 Richard St, Belford, NJ compare to other homes in Belford 07718?

Among the 2,126 homes in Belford 07718, it is worth more than 61% of them ($665,793 against a typical $633,677), its price per square foot is higher than 78% of them ($467 against a typical $392), it is bigger than 40% of them (1,427 ft² against a typical 1,566 ft²), its lot is bigger than 50% of them (0.23 ac against a typical 0.23 ac) and it is newer than 55% of them (1957 against a typical 1957). Measured against all of Monmouth County, it is worth more than 39% 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 281 Richard St, Belford, NJ?

The 2025 property tax bill for 281 Richard St, Belford, NJ was $9,398. The county assessed it at $642,900.

More homes on Richard St

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Assigned schools

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