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Single Family ResidenceResidential
$503,423$274 / 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 94How 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 $250,186 on Jun 12, 2018

1021 SPRUCE ST

ROSELLE, NJ 07203
0
Baths
1,834 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.
3,751 ft²
Lot SizeThe size of the land the home sits on, from county records.
2
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$503K
$472K low$535K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$250,186 · Jun 12, 2018
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.$9,769
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$7,815
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.103%
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.$245,654
JERSEY MTG · recorded Jun 12, 2018
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.$248,000
LOANDEPOT.COM LLC

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$15,056 (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.$164,600 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$47,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$117,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$164,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$164,600

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.26
67
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
17
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
47
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.35 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
CountyUNION
Lot (acres)The size of the land the home sits on, from county records.0.09
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

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
Dr. Charles C. Polk SchoolC-
Elementary · Grades PK–4 · 0.1 mi
H
Abraham Clark High SchoolF
High · Grades 9–12 · 0.5 mi
M
Grace Wilday Junior High SchoolD-
Middle · Grades 7–8 · 0.8 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

1021 Spruce 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 79% of homes in Union County
  • Costs less per square foot than 90% of homes in Union County
  • Bigger than 77% of homes in Roselle 07203
  • Has a smaller lot than 84% 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
$205K$664K

This home is worth more than 54% 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$503,423
CheaperTypical $498,368Pricier

Pricier than 54% of homes nearby

Price per ft²$274
CheaperTypical $366Pricier

Pricier than 17% of homes nearby

Living area1,834 ft²
SmallerTypical 1,366 ft²Bigger

Bigger than 77% of homes nearby

Lot size3,751 ft²
SmallerTypical 0.12 acBigger

Bigger than 18% of homes nearby

How 1021 Spruce St ranks against every home in each area.
MeasureThis homeRoselle 07203Union County
Estimated valuepricier than$503,42354% of homes21% of homes
Price per ft²pricier than$27417% of homes10% of homes
Living areabigger than1,834 ft²77% of homes53% of homes
Lot sizebigger than3,751 ft²18% of homes16% of homes

About 1021 Spruce St

How much is 1021 Spruce St, Roselle, NJ worth?

The TopHap Estimate for 1021 Spruce St, Roselle, NJ is $503,423 as of Jul 14, 2026. The likely range is $472,294 to $534,552. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1021 Spruce St, Roselle, NJ last sell?

1021 Spruce St, Roselle, NJ last sold on Jun 12, 2018 for $250,186, according to the county's recorded deed.

How big is 1021 Spruce St, Roselle, NJ?

1021 Spruce St, Roselle, NJ has 1,834 square feet of living space and a 0.09-acre lot.

What schools serve 1021 Spruce St, Roselle, NJ?

1021 Spruce St, Roselle, NJ is assigned to Dr. Charles C. Polk School (elementary), rated C-; 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 1021 Spruce St, Roselle, NJ compare to other homes in Roselle 07203?

Among the 5,320 homes in Roselle 07203, it is worth more than 54% of them ($503,423 against a typical $498,368), its price per square foot is higher than 17% of them ($274 against a typical $366), it is bigger than 77% of them (1,834 ft² against a typical 1,366 ft²) and its lot is bigger than 18% of them (3,751 ft² against a typical 0.12 ac). Measured against all of Union County, it is worth more than 21% 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 1021 Spruce St, Roselle, NJ?

The 2025 property tax bill for 1021 Spruce St, Roselle, NJ was $15,056. The county assessed it at $164,600.

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Assigned schools

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