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Single Family ResidenceResidential
$451,577$430 / 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
Last sold for $47,500 on Jan 12, 1994

481 RIVER TER

TOMS RIVER, NJ 08755
4
Beds
2
Baths
1,050 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.
0.29 ac
Lot SizeThe size of the land the home sits on, from county records.
1964
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$452K
$409K low$494K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$47,500 · Jan 12, 1994
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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
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.104%
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.$240,000
PRIME TIME MORTGAGE CORP · recorded Jul 30, 2007
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.$236,165
HOMEOWNERS MORTGAGE OF AMERICA INC

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,821 (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.$349,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$104,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$245,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$349,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$349,100

Climate Risk

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
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyOCEAN
Lot (acres)The size of the land the home sits on, from county records.0.29
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asbestos
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck

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.

E
West Dover Elementary SchoolC
Elementary · Grades KG–5 · 1.0 mi
H
Toms River High School SouthD+
High · Grades 9–12 · 1.6 mi
M
Toms River Intermediate School SouthC-
Middle · Grades 6–8 · 3.2 mi

District: Toms River Regional School District

Neighborhood · ZIP 08755These 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.110
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.69

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.21%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.30,205
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,879 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$82,572
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$117,881
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

481 River Ter 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 66% of homes in Ocean County
  • Costs more per square foot than 96% of homes in Toms River 08755
  • Smaller than 92% of homes in Toms River 08755
  • Has a bigger lot than 80% of homes in Ocean County
  • Older than 87% of homes in Toms River 08755

What homes are worth in Toms River 08755

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

This home
$257K$1.5M

This home is worth more than 35% of homes in Toms River 08755.

How it measures up in Toms River 08755

The dot is this home. The mark in the middle is the typical home in Toms River 08755.

Estimated value$451,577
CheaperTypical $540,375Pricier

Pricier than 35% of homes nearby

Price per ft²$430
CheaperTypical $294Pricier

Pricier than 96% of homes nearby

Living area1,050 ft²
SmallerTypical 1,814 ft²Bigger

Bigger than 8% of homes nearby

Lot size0.29 ac
SmallerTypical 0.23 acBigger

Bigger than 63% of homes nearby

Year built1964
OlderTypical 1992Newer

Newer than 13% of homes nearby

How 481 River Ter ranks against every home in each area.
MeasureThis homeToms River 08755Ocean County
Estimated valuepricier than$451,57735% of homes34% of homes
Price per ft²pricier than$43096% of homes74% of homes
Living areabigger than1,050 ft²8% of homes14% of homes
Lot sizebigger than0.29 ac63% of homes80% of homes
Year builtnewer than196413% of homes21% of homes

About 481 River Ter

How much is 481 River Ter, Toms River, NJ worth?

The TopHap Estimate for 481 River Ter, Toms River, NJ is $451,577 as of Jul 14, 2026. The likely range is $408,694 to $494,460. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 481 River Ter, Toms River, NJ last sell?

481 River Ter, Toms River, NJ last sold on Jan 12, 1994 for $47,500, according to the county's recorded deed.

How big is 481 River Ter, Toms River, NJ?

481 River Ter, Toms River, NJ has 4 bedrooms, 2 bathrooms, 1,050 square feet of living space and a 0.29-acre lot.

When was 481 River Ter, Toms River, NJ built?

481 River Ter, Toms River, NJ was built in 1964, making it 62 years old. It is a ranch home. The building has 1 story.

What schools serve 481 River Ter, Toms River, NJ?

481 River Ter, Toms River, NJ is assigned to West Dover Elementary School (elementary), rated C; Toms River High School South (high), rated D+; Toms River Intermediate School South (middle), rated C-. All sit in Toms River Regional School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 481 River Ter, Toms River, NJ compare to other homes in Toms River 08755?

Among the 8,728 homes in Toms River 08755, it is worth more than 35% of them ($451,577 against a typical $540,375), its price per square foot is higher than 96% of them ($430 against a typical $294), it is bigger than 8% of them (1,050 ft² against a typical 1,814 ft²), its lot is bigger than 63% of them (0.29 ac against a typical 0.23 ac) and it is newer than 13% of them (1964 against a typical 1992). Measured against all of Ocean County, it is worth more than 34% 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 481 River Ter, Toms River, NJ?

The 2025 property tax bill for 481 River Ter, Toms River, NJ was $6,821. The county assessed it at $349,100.

More homes on River Ter

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Assigned schools

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