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Single Family ResidenceResidential
$544,120$366 / 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 $61,000 on Nov 19, 1996

186 RIVER ST

RED BANK, NJ 07701
3
Beds
2
Baths
1,488 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.
0.19 ac
Lot SizeThe size of the land the home sits on, from county records.
1915
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$544K
$518K low$570K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$61,000 · Nov 19, 1996
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.$303,620
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$242,896
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.41%
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.$240,500
INDYMAC BANK FSB · R · recorded Mar 8, 2007

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,438 (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.$517,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$245,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$271,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$463,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$517,400

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.34
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
26
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.89%
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
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountyMONMOUTH
Lot (acres)The size of the land the home sits on, from county records.0.19
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, Detached
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 · 212 ft²Patio · 196 ft²

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

E
Red Bank Primary SchoolC-
Elementary · Grades PK–3 · 0.1 mi
M
Red Bank Middle SchoolC
Middle · Grades 4–8 · 1.1 mi
H
Red Bank Regional High SchoolB-
High · Grades 9–12 · 2.2 mi

District: Red Bank Regional School District

Neighborhood · ZIP 07701These 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.89
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 100.92

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.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.34%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.24,501
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,330 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$114,036
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$170,989
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

186 River 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 76% of homes in Monmouth County
  • Costs less per square foot than 82% of homes in Red Bank 07701
  • Smaller than 71% of homes in Monmouth County
  • Older than 94% of homes in Monmouth County

What homes are worth in Red Bank 07701

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

This home
$295K$2M

This home is worth more than 27% of homes in Red Bank 07701.

How it measures up in Red Bank 07701

The dot is this home. The mark in the middle is the typical home in Red Bank 07701.

Estimated value$544,120
CheaperTypical $729,750Pricier

Pricier than 27% of homes nearby

Price per ft²$366
CheaperTypical $440Pricier

Pricier than 18% of homes nearby

Living area1,488 ft²
SmallerTypical 1,560 ft²Bigger

Bigger than 45% of homes nearby

Lot size0.19 ac
SmallerTypical 0.16 acBigger

Bigger than 59% of homes nearby

Year built1915
OlderTypical 1956Newer

Newer than 14% of homes nearby

How 186 River St ranks against every home in each area.
MeasureThis homeRed Bank 07701Monmouth County
Estimated valuepricier than$544,12027% of homes24% of homes
Price per ft²pricier than$36618% of homes42% of homes
Living areabigger than1,488 ft²45% of homes29% of homes
Lot sizebigger than0.19 ac59% of homes43% of homes
Year builtnewer than191514% of homes6% of homes

About 186 River St

How much is 186 River St, Red Bank, NJ worth?

The TopHap Estimate for 186 River St, Red Bank, NJ is $544,120 as of Jul 14, 2026. The likely range is $518,109 to $570,131. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 186 River St, Red Bank, NJ last sell?

186 River St, Red Bank, NJ last sold on Nov 19, 1996 for $61,000, according to the county's recorded deed.

How big is 186 River St, Red Bank, NJ?

186 River St, Red Bank, NJ has 3 bedrooms, 2 bathrooms, 1,488 square feet of living space and a 0.19-acre lot.

When was 186 River St, Red Bank, NJ built?

186 River St, Red Bank, NJ was built in 1915, making it 111 years old. It is a colonial home. The building has 2 stories.

What schools serve 186 River St, Red Bank, NJ?

186 River St, Red Bank, NJ is assigned to Red Bank Primary School (elementary), rated C-; Red Bank Middle School (middle), rated C; Red Bank Regional High School (high), rated B-. All sit in Red Bank Regional School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 186 River St, Red Bank, NJ compare to other homes in Red Bank 07701?

Among the 7,930 homes in Red Bank 07701, it is worth more than 27% of them ($544,120 against a typical $729,750), its price per square foot is higher than 18% of them ($366 against a typical $440), it is bigger than 45% of them (1,488 ft² against a typical 1,560 ft²), its lot is bigger than 59% of them (0.19 ac against a typical 0.16 ac) and it is newer than 14% of them (1915 against a typical 1956). Measured against all of Monmouth County, it is worth more than 24% 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 186 River St, Red Bank, NJ?

The 2025 property tax bill for 186 River St, Red Bank, NJ was $8,438. The county assessed it at $517,400.

Closest homes

More homes in Red Bank 07701

Assigned schools

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