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Single Family ResidenceResidential
$619,449$358 / 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 95How 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 $245,000 on Nov 14, 2003

15 SPRUCE ST

ROCKAWAY, NJ 07866
0
Baths
1,728 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.
0.22 ac
Lot SizeThe size of the land the home sits on, from county records.
1962
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$619K
$586K low$653K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$245,000 · Nov 14, 2003
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.$277,956
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$222,365
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.$316,493
HOMEBRIDGE FIN'L SVCS INC · recorded May 22, 2015
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.$25,000
AFFINITY FCU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$10,979 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$330,200 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$186,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$143,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$330,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$330,200

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.13
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
18
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
47
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.Cape Cod
CountyMORRIS
Lot (acres)The size of the land the home sits on, from county records.0.22
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

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Lincoln Elementary SchoolB+
Elementary · Grades PK–3 · 0.5 mi
M
Thomas Jefferson Middle SchoolB+
Middle · Grades 4–8 · 0.6 mi
H
Morris Hills High SchoolB+
High · Grades 9–12 · 0.9 mi

District: Rockaway Borough School District

Neighborhood · ZIP 07866These 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.86
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.93
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.101

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.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.36%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.22,161
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.982 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$116,734
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$149,991
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.53 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

15 Spruce 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 more than 68% of homes in Rockaway 07866
  • Has a smaller lot than 67% of homes in Morris County

What homes are worth in Rockaway 07866

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

This home
$297K$1.1M

This home is worth more than 68% of homes in Rockaway 07866.

How it measures up in Rockaway 07866

The dot is this home. The mark in the middle is the typical home in Rockaway 07866.

Estimated value$619,449
CheaperTypical $568,210Pricier

Pricier than 68% of homes nearby

Price per ft²$358
CheaperTypical $342Pricier

Pricier than 59% of homes nearby

Living area1,728 ft²
SmallerTypical 1,657 ft²Bigger

Bigger than 55% of homes nearby

Lot size0.22 ac
SmallerTypical 0.24 acBigger

Bigger than 46% of homes nearby

Year built1962
OlderTypical 1965Newer

Newer than 44% of homes nearby

How 15 Spruce St ranks against every home in each area.
MeasureThis homeRockaway 07866Morris County
Estimated valuepricier than$619,44968% of homes36% of homes
Price per ft²pricier than$35859% of homes48% of homes
Living areabigger than1,728 ft²55% of homes37% of homes
Lot sizebigger than0.22 ac46% of homes33% of homes
Year builtnewer than196244% of homes43% of homes

About 15 Spruce St

How much is 15 Spruce St, Rockaway, NJ worth?

The TopHap Estimate for 15 Spruce St, Rockaway, NJ is $619,449 as of Jul 14, 2026. The likely range is $586,042 to $652,856. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 15 Spruce St, Rockaway, NJ last sell?

15 Spruce St, Rockaway, NJ last sold on Nov 14, 2003 for $245,000, according to the county's recorded deed.

How big is 15 Spruce St, Rockaway, NJ?

15 Spruce St, Rockaway, NJ has 1,728 square feet of living space and a 0.22-acre lot.

When was 15 Spruce St, Rockaway, NJ built?

15 Spruce St, Rockaway, NJ was built in 1962, making it 64 years old. It is a cape cod home. The building has 1 story.

What schools serve 15 Spruce St, Rockaway, NJ?

15 Spruce St, Rockaway, NJ is assigned to Lincoln Elementary School (elementary), rated B+; Thomas Jefferson Middle School (middle), rated B+; Morris Hills High School (high), rated B+. All sit in Rockaway Borough School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 15 Spruce St, Rockaway, NJ compare to other homes in Rockaway 07866?

Among the 8,204 homes in Rockaway 07866, it is worth more than 68% of them ($619,449 against a typical $568,210), its price per square foot is higher than 59% of them ($358 against a typical $342), it is bigger than 55% of them (1,728 ft² against a typical 1,657 ft²), its lot is bigger than 46% of them (0.22 ac against a typical 0.24 ac) and it is newer than 44% of them (1962 against a typical 1965). Measured against all of Morris County, it is worth more than 36% 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 15 Spruce St, Rockaway, NJ?

The 2024 property tax bill for 15 Spruce St, Rockaway, NJ was $10,979. The county assessed it at $330,200.

Closest homes

More homes in Rockaway 07866

Assigned schools

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