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Single Family ResidenceResidential
$648,018$358 / 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

1020 RICHARD ST

RARITAN, NJ 08869
0
Baths
1,809 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.
1970
Year BuiltThe year the home was originally built, according to county records.

Valuation

$648K
$614K low$682K 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.$398,018
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$318,414
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.37%
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.$250,000
FLEET NATIONAL BANK · R · recorded Dec 13, 2004

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$10,419 (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.$342,500 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$165,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$176,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$342,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$342,500

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.41
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
3
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.
94
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.
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
CountySOMERSET
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

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

E
John F. Kennedy Elementary SchoolB-
Elementary · Grades KG–4 · 0.9 mi
H
Bridgewater-Raritan Regional High SchoolB+
High · Grades 9–12 · 1.0 mi
M
Bridgewater-Raritan Regional Middle SchoolB+
Middle · Grades 7–8 · 2.9 mi

District: Bridgewater-Raritan Regional School District

Neighborhood · ZIP 08869These 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.113
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.7%
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.8,217
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,269 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$100,594
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$140,038
Average tempThe average temperature here across a full year.52°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.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.Yes

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

1020 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.

  • Worth more than 81% of homes in Raritan 08869
  • Costs more per square foot than 66% of homes in Raritan 08869
  • Has a bigger lot than 66% of homes in Raritan 08869
  • Newer than 75% of homes in Raritan 08869

What homes are worth in Raritan 08869

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

This home
$355K$882K

This home is worth more than 81% of homes in Raritan 08869.

How it measures up in Raritan 08869

The dot is this home. The mark in the middle is the typical home in Raritan 08869.

Estimated value$648,018
CheaperTypical $537,170Pricier

Pricier than 81% of homes nearby

Price per ft²$358
CheaperTypical $325Pricier

Pricier than 66% of homes nearby

Living area1,809 ft²
SmallerTypical 1,634 ft²Bigger

Bigger than 60% of homes nearby

Lot size0.23 ac
SmallerTypical 0.18 acBigger

Bigger than 66% of homes nearby

Year built1970
OlderTypical 1957Newer

Newer than 75% of homes nearby

How 1020 Richard St ranks against every home in each area.
MeasureThis homeRaritan 08869Somerset County
Estimated valuepricier than$648,01881% of homes48% of homes
Price per ft²pricier than$35866% of homes54% of homes
Living areabigger than1,809 ft²60% of homes46% of homes
Lot sizebigger than0.23 ac66% of homes46% of homes
Year builtnewer than197075% of homes40% of homes

About 1020 Richard St

How much is 1020 Richard St, Raritan, NJ worth?

The TopHap Estimate for 1020 Richard St, Raritan, NJ is $648,018 as of Jul 14, 2026. The likely range is $614,238 to $681,798. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1020 Richard St, Raritan, NJ last sell?

1020 Richard St, Raritan, NJ last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 1020 Richard St, Raritan, NJ?

1020 Richard St, Raritan, NJ has 1,809 square feet of living space and a 0.23-acre lot.

When was 1020 Richard St, Raritan, NJ built?

1020 Richard St, Raritan, NJ was built in 1970, making it 56 years old.

What schools serve 1020 Richard St, Raritan, NJ?

1020 Richard St, Raritan, NJ is assigned to John F. Kennedy Elementary School (elementary), rated B-; Bridgewater-Raritan Regional High School (high), rated B+; Bridgewater-Raritan Regional Middle School (middle), rated B+. All sit in Bridgewater-Raritan Regional School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1020 Richard St, Raritan, NJ compare to other homes in Raritan 08869?

Among the 1,947 homes in Raritan 08869, it is worth more than 81% of them ($648,018 against a typical $537,170), its price per square foot is higher than 66% of them ($358 against a typical $325), it is bigger than 60% of them (1,809 ft² against a typical 1,634 ft²), its lot is bigger than 66% of them (0.23 ac against a typical 0.18 ac) and it is newer than 75% of them (1970 against a typical 1957). Measured against all of Somerset County, it is worth more than 48% 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 1020 Richard St, Raritan, NJ?

The 2025 property tax bill for 1020 Richard St, Raritan, NJ was $10,419. The county assessed it at $342,500.

Closest homes

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Assigned schools

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