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Single Family ResidenceResidential
$753,299$306 / 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 92How 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 $650,000 on Jul 12, 2022

13 SADDLE RIDGE RD

ANDOVER, NJ 07821
0
Baths
2,464 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.
2 ac
Lot SizeThe size of the land the home sits on, from county records.
1996
Year BuiltThe year the home was originally built, according to county records.

Valuation

$753K
$693K low$814K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$650,000 · Jul 12, 2022
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.$353,299
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$282,639
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.53%
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.$400,000
WELLS FARGO BANK NA · recorded Jul 12, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$11,861 (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.$415,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$89,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$326,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$415,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$415,000

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.10
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
20
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
30
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
CountyWARREN
PoolWhether the property has a pool, and what kind, such as in-ground.No

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
Frelinghuysen Township Elementary SchoolB+
Elementary · Grades PK–6 · 1.8 mi
M
North Warren Regional High SchoolB-
Middle · Grades 7–12 · 6.3 mi

District: North Warren Regional School District

Neighborhood · ZIP 07821These 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.69
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.90
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.92

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.90%
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.3.3%
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.11,080
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.246 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$129,971
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$159,119
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.50 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

13 Saddle Ridge Rd 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 97% of homes in Warren County
  • Costs more per square foot than 82% of homes in Warren County
  • Bigger than 82% of homes in Warren County
  • Has a bigger lot than 86% of homes in Warren County
  • Newer than 83% of homes in Andover 07821

What homes are worth in Andover 07821

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

This home
$157K$1M

This home is worth more than 88% of homes in Andover 07821.

How it measures up in Andover 07821

The dot is this home. The mark in the middle is the typical home in Andover 07821.

Estimated value$753,299
CheaperTypical $515,233Pricier

Pricier than 88% of homes nearby

Price per ft²$306
CheaperTypical $285Pricier

Pricier than 62% of homes nearby

Living area2,464 ft²
SmallerTypical 1,863 ft²Bigger

Bigger than 75% of homes nearby

Lot size2 ac
SmallerTypical 0.5 acBigger

Bigger than 80% of homes nearby

Year built1996
OlderTypical 1973Newer

Newer than 83% of homes nearby

How 13 Saddle Ridge Rd ranks against every home in each area.
MeasureThis homeAndover 07821Warren County
Estimated valuepricier than$753,29988% of homes97% of homes
Price per ft²pricier than$30662% of homes82% of homes
Living areabigger than2,464 ft²75% of homes82% of homes
Lot sizebigger than2 ac80% of homes86% of homes
Year builtnewer than199683% of homes79% of homes

About 13 Saddle Ridge Rd

How much is 13 Saddle Ridge Rd, Andover, NJ worth?

The TopHap Estimate for 13 Saddle Ridge Rd, Andover, NJ is $753,299 as of Jul 14, 2026. The likely range is $692,548 to $814,050. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 13 Saddle Ridge Rd, Andover, NJ last sell?

13 Saddle Ridge Rd, Andover, NJ last sold on Jul 12, 2022 for $650,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

When was 13 Saddle Ridge Rd, Andover, NJ built?

13 Saddle Ridge Rd, Andover, NJ was built in 1996, making it 30 years old.

What schools serve 13 Saddle Ridge Rd, Andover, NJ?

13 Saddle Ridge Rd, Andover, NJ is assigned to Frelinghuysen Township Elementary School (elementary), rated B+; North Warren Regional High School (middle), rated B-. All sit in North Warren Regional School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 13 Saddle Ridge Rd, Andover, NJ compare to other homes in Andover 07821?

Among the 3,729 homes in Andover 07821, it is worth more than 88% of them ($753,299 against a typical $515,233), its price per square foot is higher than 62% of them ($306 against a typical $285), it is bigger than 75% of them (2,464 ft² against a typical 1,863 ft²), its lot is bigger than 80% of them (2 ac against a typical 0.5 ac) and it is newer than 83% of them (1996 against a typical 1973). Measured against all of Warren County, it is worth more than 97% 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 13 Saddle Ridge Rd, Andover, NJ?

The 2025 property tax bill for 13 Saddle Ridge Rd, Andover, NJ was $11,861. The county assessed it at $415,000.

Closest homes

More homes in Andover 07821

Assigned schools

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