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Single Family ResidenceResidential
$531,298$224 / 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 96How 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 $201,000 on Aug 26, 2019

646 ELM ST

ROSELLE, NJ 07203
0
Baths
2,372 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.
1940
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

$531K
$510K low$553K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$201,000 · Aug 26, 2019
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.$156,807
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$125,446
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.69%
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.$343,561
UNITED WHOLESALE MORTGAGE · recorded Apr 15, 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.$30,930
M & T BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$15,705 (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.$171,700 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$60,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$111,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$171,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$171,700

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.Cape Cod
CountyUNION
Lot (acres)The size of the land the home sits on, from county records.0.12
ConstructionThe main material the home's frame and walls are built from.Concrete Blocks
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

Transaction History(4)

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

Foreclosure Filings(3)

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

E
Harrison Elementary SchoolB-
Elementary · Grades 1–4 · 0.3 mi
H
Abraham Clark High SchoolF
High · Grades 9–12 · 0.9 mi
M
Grace Wilday Junior High SchoolD-
Middle · Grades 7–8 · 1.5 mi

District: Roselle Borough School District

Neighborhood · ZIP 07203These 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.104
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.101
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.113

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.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.3%
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.23,141
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.8,867 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$83,013
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$109,446
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.49 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

646 Elm 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 73% of homes in Union County
  • Costs less per square foot than 97% of homes in Union County
  • Bigger than 91% of homes in Roselle 07203
  • Has a smaller lot than 73% of homes in Union County

What homes are worth in Roselle 07203

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

This home
$208K$671K

This home is worth more than 70% of homes in Roselle 07203.

How it measures up in Roselle 07203

The dot is this home. The mark in the middle is the typical home in Roselle 07203.

Estimated value$531,298
CheaperTypical $498,580Pricier

Pricier than 70% of homes nearby

Price per ft²$224
CheaperTypical $365Pricier

Pricier than 6% of homes nearby

Living area2,372 ft²
SmallerTypical 1,370 ft²Bigger

Bigger than 91% of homes nearby

Lot size0.11 ac
SmallerTypical 0.12 acBigger

Bigger than 32% of homes nearby

Year built1940
OlderTypical 1941Newer

Newer than 48% of homes nearby

How 646 Elm St ranks against every home in each area.
MeasureThis homeRoselle 07203Union County
Estimated valuepricier than$531,29870% of homes27% of homes
Price per ft²pricier than$2246% of homes3% of homes
Living areabigger than2,372 ft²91% of homes74% of homes
Lot sizebigger than0.11 ac32% of homes27% of homes
Year builtnewer than194048% of homes38% of homes

About 646 Elm St

How much is 646 Elm St, Roselle, NJ worth?

The TopHap Estimate for 646 Elm St, Roselle, NJ is $531,298 as of Jul 14, 2026. The likely range is $509,694 to $552,902. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 646 Elm St, Roselle, NJ last sell?

646 Elm St, Roselle, NJ last sold on Aug 26, 2019 for $201,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 646 Elm St, Roselle, NJ?

646 Elm St, Roselle, NJ has 2,372 square feet of living space and a 0.12-acre lot.

When was 646 Elm St, Roselle, NJ built?

646 Elm St, Roselle, NJ was built in 1940, making it 86 years old. It is a cape cod home. The building has 1 story.

What schools serve 646 Elm St, Roselle, NJ?

646 Elm St, Roselle, NJ is assigned to Harrison Elementary School (elementary), rated B-; Abraham Clark High School (high), rated F; Grace Wilday Junior High School (middle), rated D-. All sit in Roselle Borough School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 646 Elm St, Roselle, NJ compare to other homes in Roselle 07203?

Among the 5,320 homes in Roselle 07203, it is worth more than 70% of them ($531,298 against a typical $498,580), its price per square foot is higher than 6% of them ($224 against a typical $365), it is bigger than 91% of them (2,372 ft² against a typical 1,370 ft²), its lot is bigger than 32% of them (0.11 ac against a typical 0.12 ac) and it is newer than 48% of them (1940 against a typical 1941). Measured against all of Union County, it is worth more than 27% 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 646 Elm St, Roselle, NJ?

The 2025 property tax bill for 646 Elm St, Roselle, NJ was $15,705. The county assessed it at $171,700.

More homes on Elm St

Closest homes

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Assigned schools

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