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Single Family ResidenceResidential
$424,495$334 / 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 97How 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

13 SMITH ST

ANDOVER, NJ 07821
0
Baths
1,272 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.
0.52 ac
Lot SizeThe size of the land the home sits on, from county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$424K
$413K low$436K 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.$278,495
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$222,796
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.34%
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.$96,000
VALLEY NATIONAL BANK · recorded Apr 2, 2003
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.$50,000
JP MORGAN CHASE BANK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,653 (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.$231,900 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$100,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$131,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$231,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$231,900

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.40
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
19
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
57
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
96
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. 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
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountySUSSEX
Lot (acres)The size of the land the home sits on, from county records.0.52
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
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.

M
Long Pond Elementary SchoolB
Middle · Grades 5–8 · 3.8 mi
E
Florence M. Burd Elementary SchoolA
Elementary · Grades PK–4 · 4.2 mi
H
Newton High SchoolC-
High · Grades 9–12 · 4.5 mi

District: Newton Town 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.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

13 Smith 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 Andover 07821
  • Costs more per square foot than 74% of homes in Sussex County
  • Smaller than 77% 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
$154K$987K

This home is worth more than 29% 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$424,495
CheaperTypical $512,616Pricier

Pricier than 29% of homes nearby

Price per ft²$334
CheaperTypical $285Pricier

Pricier than 73% of homes nearby

Living area1,272 ft²
SmallerTypical 1,856 ft²Bigger

Bigger than 23% of homes nearby

Lot size0.52 ac
SmallerTypical 0.5 acBigger

Bigger than 51% of homes nearby

How 13 Smith St ranks against every home in each area.
MeasureThis homeAndover 07821Sussex County
Estimated valuepricier than$424,49529% of homes46% of homes
Price per ft²pricier than$33473% of homes74% of homes
Living areabigger than1,272 ft²23% of homes31% of homes
Lot sizebigger than0.52 ac51% of homes60% of homes

About 13 Smith St

How much is 13 Smith St, Andover, NJ worth?

The TopHap Estimate for 13 Smith St, Andover, NJ is $424,495 as of Jul 14, 2026. The likely range is $412,695 to $436,295. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 13 Smith St, Andover, NJ last sell?

13 Smith St, Andover, NJ last sold on Jan 1, 1900, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 13 Smith St, Andover, NJ?

13 Smith St, Andover, NJ has 1,272 square feet of living space and a 0.52-acre lot.

What schools serve 13 Smith St, Andover, NJ?

13 Smith St, Andover, NJ is assigned to Long Pond Elementary School (middle), rated B; Florence M. Burd Elementary School (elementary), rated A; Newton High School (high), rated C-. All sit in Newton Town School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 13 Smith St, Andover, NJ compare to other homes in Andover 07821?

Among the 3,729 homes in Andover 07821, it is worth more than 29% of them ($424,495 against a typical $512,616), its price per square foot is higher than 73% of them ($334 against a typical $285), it is bigger than 23% of them (1,272 ft² against a typical 1,856 ft²) and its lot is bigger than 51% of them (0.52 ac against a typical 0.5 ac). Measured against all of Sussex County, it is worth more than 46% 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 Smith St, Andover, NJ?

The 2025 property tax bill for 13 Smith St, Andover, NJ was $7,653. The county assessed it at $231,900.

Closest homes

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Assigned schools

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