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Single Family ResidenceResidential
$595,472$268 / 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 88How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

109 THOMAS ST

BELFORD, NJ 07718
2
Beds
1
Baths
2,222 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.
0.33 ac
Lot SizeThe size of the land the home sits on, from county records.
1918
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$595K
$526K low$664K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$9,093 (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.$580,900 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$363,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$217,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$563,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$580,900

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.35
99
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
32
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.109 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.80%
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
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyMONMOUTH
Lot (acres)The size of the land the home sits on, from county records.0.33
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

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

E
Bayview Elementary SchoolC
Elementary · Grades KG–5 · 1.0 mi
H
Middletown High School NorthC
High · Grades 9–12 · 1.8 mi
M
Bayshore Middle SchoolB+
Middle · Grades 6–8 · 1.9 mi

District: Middletown Township School District

Neighborhood · ZIP 07718These 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.104
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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.32%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.9%
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.5,096
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,092 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$150,780
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$165,342
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

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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

109 Thomas 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 71% of homes in Monmouth County
  • Costs less per square foot than 97% of homes in Belford 07718
  • Bigger than 84% of homes in Belford 07718
  • Has a bigger lot than 79% of homes in Belford 07718
  • Older than 93% of homes in Monmouth County

What homes are worth in Belford 07718

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

This home
$381K$1M

This home is worth more than 38% of homes in Belford 07718.

How it measures up in Belford 07718

The dot is this home. The mark in the middle is the typical home in Belford 07718.

Estimated value$595,472
CheaperTypical $636,817Pricier

Pricier than 38% of homes nearby

Price per ft²$268
CheaperTypical $393Pricier

Pricier than 3% of homes nearby

Living area2,222 ft²
SmallerTypical 1,569 ft²Bigger

Bigger than 84% of homes nearby

Lot size0.33 ac
SmallerTypical 0.23 acBigger

Bigger than 79% of homes nearby

Year built1918
OlderTypical 1957Newer

Newer than 9% of homes nearby

How 109 Thomas St ranks against every home in each area.
MeasureThis homeBelford 07718Monmouth County
Estimated valuepricier than$595,47238% of homes29% of homes
Price per ft²pricier than$2683% of homes5% of homes
Living areabigger than2,222 ft²84% of homes63% of homes
Lot sizebigger than0.33 ac79% of homes61% of homes
Year builtnewer than19189% of homes7% of homes

About 109 Thomas St

How much is 109 Thomas St, Belford, NJ worth?

The TopHap Estimate for 109 Thomas St, Belford, NJ is $595,472 as of Aug 30, 2026. The likely range is $526,489 to $664,455. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Thomas St, Belford, NJ last sell?

109 Thomas St, Belford, NJ last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 109 Thomas St, Belford, NJ?

109 Thomas St, Belford, NJ has 2 bedrooms, 1 bathrooms, 2,222 square feet of living space and a 0.33-acre lot.

When was 109 Thomas St, Belford, NJ built?

109 Thomas St, Belford, NJ was built in 1918, making it 108 years old. It is a ranch home. The building has 1 story.

What schools serve 109 Thomas St, Belford, NJ?

109 Thomas St, Belford, NJ is assigned to Bayview Elementary School (elementary), rated C; Middletown High School North (high), rated C; Bayshore Middle School (middle), rated B+. All sit in Middletown Township School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Thomas St, Belford, NJ compare to other homes in Belford 07718?

Among the 2,126 homes in Belford 07718, it is worth more than 38% of them ($595,472 against a typical $636,817), its price per square foot is higher than 3% of them ($268 against a typical $393), it is bigger than 84% of them (2,222 ft² against a typical 1,569 ft²), its lot is bigger than 79% of them (0.33 ac against a typical 0.23 ac) and it is newer than 9% of them (1918 against a typical 1957). Measured against all of Monmouth County, it is worth more than 29% 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 109 Thomas St, Belford, NJ?

The 2025 property tax bill for 109 Thomas St, Belford, NJ was $9,093. The county assessed it at $580,900.

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