Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$990,947$255 / 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 $515,500 on Jul 30, 2004

1420 WHITE SPRUCE DR

TOMS RIVER, NJ 08753
5
Beds
4
Baths
3,886 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.
0.62 ac
Lot SizeThe size of the land the home sits on, from county records.
1989
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$991K
$916K low$1.1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$515,500 · Jul 30, 2004
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.$674,177
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$539,342
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.35%
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.$316,770
JPMORGAN CHASE BANK NA · recorded Dec 6, 2013

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$13,423 (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.$686,600 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$197,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$489,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$686,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$686,600

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.9 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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.Colonial
CountyOCEAN
Lot (acres)The size of the land the home sits on, from county records.0.62
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
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.Spa/Hot Tub (Only)
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.

M
Toms River Intermediate School NorthC
Middle · Grades 6–8 · 1.4 mi
H
Toms River High School NorthD+
High · Grades 9–12 · 1.4 mi
E
North Dover Elementary SchoolB
Elementary · Grades PK–5 · 1.7 mi

District: Toms River Regional School District

Neighborhood · ZIP 08753These 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.74
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.112
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.66

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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.27%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.1%
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.66,911
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,280 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$101,815
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$128,431
Average tempThe average temperature here across a full year.53°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

1420 White Spruce Dr 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 93% of homes in Toms River 08753
  • Costs less per square foot than 87% of homes in Toms River 08753
  • Bigger than 98% of homes in Toms River 08753
  • Has a bigger lot than 96% of homes in Toms River 08753
  • Newer than 82% of homes in Toms River 08753

What homes are worth in Toms River 08753

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

This home
$237K$1.4M

This home is worth more than 93% of homes in Toms River 08753.

How it measures up in Toms River 08753

The dot is this home. The mark in the middle is the typical home in Toms River 08753.

Estimated value$990,947
CheaperTypical $530,279Pricier

Pricier than 93% of homes nearby

Price per ft²$255
CheaperTypical $318Pricier

Pricier than 13% of homes nearby

Living area3,886 ft²
SmallerTypical 1,666 ft²Bigger

Bigger than 98% of homes nearby

Lot size0.62 ac
SmallerTypical 0.21 acBigger

Bigger than 96% of homes nearby

Year built1989
OlderTypical 1971Newer

Newer than 82% of homes nearby

How 1420 White Spruce Dr ranks against every home in each area.
MeasureThis homeToms River 08753Ocean County
Estimated valuepricier than$990,94793% of homes82% of homes
Price per ft²pricier than$25513% of homes21% of homes
Living areabigger than3,886 ft²98% of homes98% of homes
Lot sizebigger than0.62 ac96% of homes93% of homes
Year builtnewer than198982% of homes65% of homes

About 1420 White Spruce Dr

How much is 1420 White Spruce Dr, Toms River, NJ worth?

The TopHap Estimate for 1420 White Spruce Dr, Toms River, NJ is $990,947 as of Jul 14, 2026. The likely range is $915,838 to $1,066,056. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1420 White Spruce Dr, Toms River, NJ last sell?

1420 White Spruce Dr, Toms River, NJ last sold on Jul 30, 2004 for $515,500, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 1420 White Spruce Dr, Toms River, NJ?

1420 White Spruce Dr, Toms River, NJ has 5 bedrooms, 4 bathrooms, 3,886 square feet of living space and a 0.62-acre lot.

When was 1420 White Spruce Dr, Toms River, NJ built?

1420 White Spruce Dr, Toms River, NJ was built in 1989, making it 37 years old. It is a colonial home. The building has 2 stories.

What schools serve 1420 White Spruce Dr, Toms River, NJ?

1420 White Spruce Dr, Toms River, NJ is assigned to Toms River Intermediate School North (middle), rated C; Toms River High School North (high), rated D+; North Dover Elementary School (elementary), rated B. All sit in Toms River Regional School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1420 White Spruce Dr, Toms River, NJ compare to other homes in Toms River 08753?

Among the 24,342 homes in Toms River 08753, it is worth more than 93% of them ($990,947 against a typical $530,279), its price per square foot is higher than 13% of them ($255 against a typical $318), it is bigger than 98% of them (3,886 ft² against a typical 1,666 ft²), its lot is bigger than 96% of them (0.62 ac against a typical 0.21 ac) and it is newer than 82% of them (1989 against a typical 1971). Measured against all of Ocean County, it is worth more than 82% 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 1420 White Spruce Dr, Toms River, NJ?

The 2025 property tax bill for 1420 White Spruce Dr, Toms River, NJ was $13,423. The county assessed it at $686,600.

Closest homes

More homes in Toms River 08753

Assigned schools

Explore the area

See this home in context

Open 1420 White Spruce Dr on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map