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Single Family ResidenceResidential
$567,589$431 / 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 91How 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

43 RIVER ST

SPOTSWOOD, NJ 08884
0
Baths
1,318 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.
1947
Year BuiltThe year the home was originally built, according to county records.

Valuation

$568K
$519K low$616K 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.$217,189
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$173,751
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.66%
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.$150,400
QUICKEN LNS · recorded Jan 30, 2015
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.$135,000
AFFINITY FCU
3rd 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.$65,000

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$9,821 (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.$259,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$130,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$129,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$259,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$259,000

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.55
51
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
26
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
65
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
92
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
43
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.14 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.1 percent flood zone

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
CountyMIDDLESEX
Lot (acres)The size of the land the home sits on, from county records.0.23
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

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 · 1.1 mi
E
G. Austin Schoenly Elementary School
Elementary · Grades PK–1 · 1.3 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

43 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.

  • Costs more per square foot than 81% of homes in Middlesex County
  • Smaller than 70% of homes in Middlesex County
  • Has a bigger lot than 71% of homes in Middlesex County
  • Older than 87% of homes in Spotswood 08884

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 46% 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$567,589
CheaperTypical $581,024Pricier

Pricier than 46% of homes nearby

Price per ft²$431
CheaperTypical $379Pricier

Pricier than 80% of homes nearby

Living area1,318 ft²
SmallerTypical 1,468 ft²Bigger

Bigger than 41% of homes nearby

Lot size0.23 ac
SmallerTypical 0.23 acBigger

Bigger than 48% of homes nearby

Year built1947
OlderTypical 1957Newer

Newer than 13% of homes nearby

How 43 River St ranks against every home in each area.
MeasureThis homeSpotswood 08884Middlesex County
Estimated valuepricier than$567,58946% of homes46% of homes
Price per ft²pricier than$43180% of homes81% of homes
Living areabigger than1,318 ft²41% of homes30% of homes
Lot sizebigger than0.23 ac48% of homes71% of homes
Year builtnewer than194713% of homes19% of homes

About 43 River St

How much is 43 River St, Spotswood, NJ worth?

The TopHap Estimate for 43 River St, Spotswood, NJ is $567,589 as of Jul 14, 2026. The likely range is $518,906 to $616,272. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 43 River St, Spotswood, NJ last sell?

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

How big is 43 River St, Spotswood, NJ?

43 River St, Spotswood, NJ has 1,318 square feet of living space and a 0.23-acre lot.

When was 43 River St, Spotswood, NJ built?

43 River St, Spotswood, NJ was built in 1947, making it 79 years old.

What schools serve 43 River St, Spotswood, NJ?

43 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 43 River St, Spotswood, NJ compare to other homes in Spotswood 08884?

Among the 2,534 homes in Spotswood 08884, it is worth more than 46% of them ($567,589 against a typical $581,024), its price per square foot is higher than 80% of them ($431 against a typical $379), it is bigger than 41% of them (1,318 ft² against a typical 1,468 ft²), its lot is bigger than 48% of them (0.23 ac against a typical 0.23 ac) and it is newer than 13% of them (1947 against a typical 1957). Measured against all of Middlesex County, it is worth more than 46% 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 43 River St, Spotswood, NJ?

The 2025 property tax bill for 43 River St, Spotswood, NJ was $9,821. The county assessed it at $259,000.

More homes on River St

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Assigned schools

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