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Single Family ResidenceResidential
$390,255$407 / 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 93How 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 $256,000 on Jul 21, 2021

1251 SPRUCE ST

FORKED RIVER, NJ 08731
2
Beds
1
Baths
960 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.
0.19 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.
1
StoriesHow many floors the home has above ground.

Valuation

$390K
$363K low$418K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$256,000 · Jul 21, 2021
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.$85,227
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$68,182
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.77%
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.$231,481
ADVISORS MORTGAGE GROUP LLC · recorded Jul 21, 2021
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.$73,547
SPLITERO FUNDING INC

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,410 (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.$197,800 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$81,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$116,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$197,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$197,800

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.39
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
23
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
64
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
79
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
31
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
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.0.19
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.No
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(2)

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
Forked River Elementary SchoolC
Elementary · Grades KG–4 · 0.7 mi
M
Lacey Township Middle SchoolC+
Middle · Grades 7–8 · 1.6 mi
H
Lacey Township High SchoolC-
High · Grades 9–12 · 1.8 mi

District: Lacey Township School District

Neighborhood · ZIP 08731These 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.77
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.116
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.58

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.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.22%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.21,752
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.346 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$96,768
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$121,606
Average tempThe average temperature here across a full year.53°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%

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

1251 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 81% of homes in Forked River 08731
  • Costs more per square foot than 83% of homes in Forked River 08731
  • Smaller than 91% of homes in Ocean County
  • Older than 69% of homes in Forked River 08731

What homes are worth in Forked River 08731

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

This home
$282K$1.2M

This home is worth more than 19% of homes in Forked River 08731.

How it measures up in Forked River 08731

The dot is this home. The mark in the middle is the typical home in Forked River 08731.

Estimated value$390,255
CheaperTypical $487,672Pricier

Pricier than 19% of homes nearby

Price per ft²$407
CheaperTypical $319Pricier

Pricier than 83% of homes nearby

Living area960 ft²
SmallerTypical 1,540 ft²Bigger

Bigger than 11% of homes nearby

Lot size0.19 ac
SmallerTypical 0.18 acBigger

Bigger than 52% of homes nearby

Year built1970
OlderTypical 1980Newer

Newer than 31% of homes nearby

How 1251 Spruce St ranks against every home in each area.
MeasureThis homeForked River 08731Ocean County
Estimated valuepricier than$390,25519% of homes23% of homes
Price per ft²pricier than$40783% of homes70% of homes
Living areabigger than960 ft²11% of homes9% of homes
Lot sizebigger than0.19 ac52% of homes59% of homes
Year builtnewer than197031% of homes31% of homes

About 1251 Spruce St

How much is 1251 Spruce St, Forked River, NJ worth?

The TopHap Estimate for 1251 Spruce St, Forked River, NJ is $390,255 as of Jul 14, 2026. The likely range is $362,661 to $417,849. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1251 Spruce St, Forked River, NJ last sell?

1251 Spruce St, Forked River, NJ last sold on Jul 21, 2021 for $256,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 1251 Spruce St, Forked River, NJ?

1251 Spruce St, Forked River, NJ has 2 bedrooms, 1 bathrooms, 960 square feet of living space and a 0.19-acre lot.

When was 1251 Spruce St, Forked River, NJ built?

1251 Spruce St, Forked River, NJ was built in 1970, making it 56 years old. It is a ranch home. The building has 1 story.

What schools serve 1251 Spruce St, Forked River, NJ?

1251 Spruce St, Forked River, NJ is assigned to Forked River Elementary School (elementary), rated C; Lacey Township Middle School (middle), rated C+; Lacey Township High School (high), rated C-. All sit in Lacey Township School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1251 Spruce St, Forked River, NJ compare to other homes in Forked River 08731?

Among the 9,396 homes in Forked River 08731, it is worth more than 19% of them ($390,255 against a typical $487,672), its price per square foot is higher than 83% of them ($407 against a typical $319), it is bigger than 11% of them (960 ft² against a typical 1,540 ft²), its lot is bigger than 52% of them (0.19 ac against a typical 0.18 ac) and it is newer than 31% of them (1970 against a typical 1980). Measured against all of Ocean County, it is worth more than 23% 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 1251 Spruce St, Forked River, NJ?

The 2025 property tax bill for 1251 Spruce St, Forked River, NJ was $5,410. The county assessed it at $197,800.

More homes on Spruce St

Closest homes

More homes in Forked River 08731

Assigned schools

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