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Single Family ResidenceResidential
$593,736$280 / 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

304 ROUTE 539

CREAM RIDGE, NJ 08514
3
Beds
1
Baths
2,120 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.
3 ac
Lot SizeThe size of the land the home sits on, from county records.
1979
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
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

$594K
$562K low$626K 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.$495,636
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$396,509
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.18%
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.$98,100
NEXSTAR FIN'L · recorded Nov 25, 2003

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$10,705 (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.$617,500 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$315,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$302,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$579,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$617,500

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.20
49
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
32
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
21
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.13 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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
CountyMONMOUTH
ConstructionThe main material the home's frame and walls are built from.Concrete Blocks
CoolingThe type of cooling or air conditioning in the home.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
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.Shed · 320 ft²Patio · 240 ft²

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

E
Newell Elementary SchoolC
Elementary · Grades PK–4 · 4.7 mi
H
Allentown High SchoolC-
High · Grades 9–12 · 4.8 mi
M
Stonebridge Middle SchoolA
Middle · Grades 5–8 · 5.8 mi

District: Upper Freehold Regional School District

Neighborhood · ZIP 08514These 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.37
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.99
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.83

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.4.8%
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.4,736
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.178 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$155,806
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$185,819
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

304 Route 539 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 Monmouth County
  • Costs less per square foot than 93% of homes in Monmouth County
  • Has a bigger lot than 97% of homes in Monmouth County

What homes are worth in Cream Ridge 08514

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

This home
$289K$1.6M

This home is worth more than 35% of homes in Cream Ridge 08514.

How it measures up in Cream Ridge 08514

The dot is this home. The mark in the middle is the typical home in Cream Ridge 08514.

Estimated value$593,736
CheaperTypical $699,079Pricier

Pricier than 35% of homes nearby

Price per ft²$280
CheaperTypical $306Pricier

Pricier than 30% of homes nearby

Living area2,120 ft²
SmallerTypical 2,260 ft²Bigger

Bigger than 45% of homes nearby

Lot size3 ac
SmallerTypical 1.28 acBigger

Bigger than 83% of homes nearby

Year built1979
OlderTypical 1989Newer

Newer than 39% of homes nearby

How 304 Route 539 ranks against every home in each area.
MeasureThis homeCream Ridge 08514Monmouth County
Estimated valuepricier than$593,73635% of homes29% of homes
Price per ft²pricier than$28030% of homes7% of homes
Living areabigger than2,120 ft²45% of homes59% of homes
Lot sizebigger than3 ac83% of homes97% of homes
Year builtnewer than197939% of homes55% of homes

About 304 Route 539

How much is 304 Route 539, Cream Ridge, NJ worth?

The TopHap Estimate for 304 Route 539, Cream Ridge, NJ is $593,736 as of Jul 14, 2026. The likely range is $561,527 to $625,945. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 304 Route 539, Cream Ridge, NJ last sell?

304 Route 539, Cream Ridge, NJ last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 304 Route 539, Cream Ridge, NJ?

304 Route 539, Cream Ridge, NJ has 3 bedrooms, 1 bathrooms and 2,120 square feet of living space.

When was 304 Route 539, Cream Ridge, NJ built?

304 Route 539, Cream Ridge, NJ was built in 1979, making it 47 years old. The building has 1 story.

What schools serve 304 Route 539, Cream Ridge, NJ?

304 Route 539, Cream Ridge, NJ is assigned to Newell Elementary School (elementary), rated C; Allentown High School (high), rated C-; Stonebridge Middle School (middle), rated A. All sit in Upper Freehold Regional School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 304 Route 539, Cream Ridge, NJ compare to other homes in Cream Ridge 08514?

Among the 1,282 homes in Cream Ridge 08514, it is worth more than 35% of them ($593,736 against a typical $699,079), its price per square foot is higher than 30% of them ($280 against a typical $306), it is bigger than 45% of them (2,120 ft² against a typical 2,260 ft²), its lot is bigger than 83% of them (3 ac against a typical 1.28 ac) and it is newer than 39% of them (1979 against a typical 1989). Measured against all of Monmouth County, it is worth more than 29% 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 304 Route 539, Cream Ridge, NJ?

The 2025 property tax bill for 304 Route 539, Cream Ridge, NJ was $10,705. The county assessed it at $617,500.

More homes on Route 539

Closest homes

More homes in Cream Ridge 08514

Assigned schools

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