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Single Family ResidenceResidential
$156,026$223 / 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 $13,500 on Nov 17, 1999

14 S RIVER TER

PHILLIPSBURG, NJ 08865
0
Baths
700 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.
0.29 ac
Lot SizeThe size of the land the home sits on, from county records.
1960
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$156K
$146K low$166K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$13,500 · Nov 17, 1999
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.$136,959
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$109,567
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.11%
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.$19,067
PNC BANK · E · recorded Oct 14, 2005

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,540 (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.$95,300 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$33,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$61,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$95,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$95,300

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.28
98
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
14
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.107 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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
CountyWARREN
Lot (acres)The size of the land the home sits on, from county records.0.29
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
Harmony Township SchoolC+
Elementary · Grades PK–8 · 2.4 mi
H
Belvidere High SchoolC-
High · Grades 9–12 · 8.6 mi

District: Harmony Township School District

Neighborhood · ZIP 08865These 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.122
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.76

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.21%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
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.31,496
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.725 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$75,055
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$96,798
Average tempThe average temperature here across a full year.51°F
Annual precipHow much rain and melted snow falls here in a typical year.48 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

14 S River Ter 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.

  • Among the least valuable homes in Warren County
  • Costs less per square foot than 70% of homes in Warren County
  • Among the smallest homes in Phillipsburg 08865
  • Has a bigger lot than 74% of homes in Phillipsburg 08865
  • Newer than 68% of homes in Phillipsburg 08865

What homes are worth in Phillipsburg 08865

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

This home
$156K$722K

This home is worth more than 2% of homes in Phillipsburg 08865.

How it measures up in Phillipsburg 08865

The dot is this home. The mark in the middle is the typical home in Phillipsburg 08865.

Estimated value$156,026
CheaperTypical $345,263Pricier

Pricier than 2% of homes nearby

Price per ft²$223
CheaperTypical $237Pricier

Pricier than 42% of homes nearby

Living area700 ft²
SmallerTypical 1,458 ft²Bigger

Smaller than almost all homes nearby

Lot size0.29 ac
SmallerTypical 0.17 acBigger

Bigger than 74% of homes nearby

Year built1960
OlderTypical 1945Newer

Newer than 68% of homes nearby

How 14 S River Ter ranks against every home in each area.
MeasureThis homePhillipsburg 08865Warren County
Estimated valuepricier than$156,0262% of homesalmost no homes
Price per ft²pricier than$22342% of homes30% of homes
Living areabigger than700 ft²almost no homesalmost no homes
Lot sizebigger than0.29 ac74% of homes48% of homes
Year builtnewer than196068% of homes41% of homes

About 14 S River Ter

How much is 14 S River Ter, Phillipsburg, NJ worth?

The TopHap Estimate for 14 S River Ter, Phillipsburg, NJ is $156,026 as of Jul 14, 2026. The likely range is $146,126 to $165,926. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 14 S River Ter, Phillipsburg, NJ last sell?

14 S River Ter, Phillipsburg, NJ last sold on Nov 17, 1999 for $13,500, according to the county's recorded deed.

How big is 14 S River Ter, Phillipsburg, NJ?

14 S River Ter, Phillipsburg, NJ has 700 square feet of living space and a 0.29-acre lot.

When was 14 S River Ter, Phillipsburg, NJ built?

14 S River Ter, Phillipsburg, NJ was built in 1960, making it 66 years old. The building has 1 story.

What schools serve 14 S River Ter, Phillipsburg, NJ?

14 S River Ter, Phillipsburg, NJ is assigned to Harmony Township School (elementary), rated C+; Belvidere High School (high), rated C-. All sit in Harmony Township School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 14 S River Ter, Phillipsburg, NJ compare to other homes in Phillipsburg 08865?

Among the 9,863 homes in Phillipsburg 08865, it is worth more than 2% of them ($156,026 against a typical $345,263), its price per square foot is higher than 42% of them ($223 against a typical $237), it is bigger than almost none of them (700 ft² against a typical 1,458 ft²), its lot is bigger than 74% of them (0.29 ac against a typical 0.17 ac) and it is newer than 68% of them (1960 against a typical 1945). Measured against all of Warren County, it is worth more than almost no 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 14 S River Ter, Phillipsburg, NJ?

The 2025 property tax bill for 14 S River Ter, Phillipsburg, NJ was $2,540. The county assessed it at $95,300.

Closest homes

More homes in Phillipsburg 08865

Assigned schools

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