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Single Family ResidenceResidential
$915,348$322 / 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 89How 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 $296,200 on Apr 30, 1990

1438 WHITE SPRUCE DR

TOMS RIVER, NJ 08753
3
Beds
4
Baths
2,840 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.
0.41 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

$915K
$818K low$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.$296,200 · Apr 30, 1990
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.$125,348
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$100,278
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.93%
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.$140,000
WASHINGTON MUTUAL HOME LOANS · recorded Jul 24, 2001
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.$400,000
ASSURED MORTGAGE BANKERS CORP
3rd 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.$250,000

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$12,592 (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.$644,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$176,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$468,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$644,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$644,100

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.21
44
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
30
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
31
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.10 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.0.41
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

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 · 1.8 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

1438 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 91% of homes in Toms River 08753
  • Bigger than 92% of homes in Toms River 08753
  • Has a bigger lot than 89% 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
$239K$1.4M

This home is worth more than 91% 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$915,348
CheaperTypical $529,569Pricier

Pricier than 91% of homes nearby

Price per ft²$322
CheaperTypical $318Pricier

Pricier than 53% of homes nearby

Living area2,840 ft²
SmallerTypical 1,654 ft²Bigger

Bigger than 92% of homes nearby

Lot size0.41 ac
SmallerTypical 0.21 acBigger

Bigger than 89% of homes nearby

Year built1989
OlderTypical 1971Newer

Newer than 82% of homes nearby

How 1438 White Spruce Dr ranks against every home in each area.
MeasureThis homeToms River 08753Ocean County
Estimated valuepricier than$915,34891% of homes79% of homes
Price per ft²pricier than$32253% of homes48% of homes
Living areabigger than2,840 ft²92% of homes90% of homes
Lot sizebigger than0.41 ac89% of homes88% of homes
Year builtnewer than198982% of homes65% of homes

About 1438 White Spruce Dr

How much is 1438 White Spruce Dr, Toms River, NJ worth?

The TopHap Estimate for 1438 White Spruce Dr, Toms River, NJ is $915,348 as of Jul 14, 2026. The likely range is $818,123 to $1,012,573. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1438 White Spruce Dr, Toms River, NJ last sell?

1438 White Spruce Dr, Toms River, NJ last sold on Apr 30, 1990 for $296,200, according to the county's recorded deed.

How big is 1438 White Spruce Dr, Toms River, NJ?

1438 White Spruce Dr, Toms River, NJ has 3 bedrooms, 4 bathrooms, 2,840 square feet of living space and a 0.41-acre lot.

When was 1438 White Spruce Dr, Toms River, NJ built?

1438 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 1438 White Spruce Dr, Toms River, NJ?

1438 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 1438 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 91% of them ($915,348 against a typical $529,569), its price per square foot is higher than 53% of them ($322 against a typical $318), it is bigger than 92% of them (2,840 ft² against a typical 1,654 ft²), its lot is bigger than 89% of them (0.41 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 79% 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 1438 White Spruce Dr, Toms River, NJ?

The 2025 property tax bill for 1438 White Spruce Dr, Toms River, NJ was $12,592. The county assessed it at $644,100.

Closest homes

More homes in Toms River 08753

Assigned schools

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