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Single Family ResidenceResidential
$1,610,202$680 / 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 85How 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 $730,000 on Jun 1, 2020

195 BAY STREAM DR

TOMS RIVER, NJ 08753
5
Beds
4
Baths
2,368 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.
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
1959
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$1.6M
$1.4M low$1.9M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$730,000 · Jun 1, 2020
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.$512,702
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$410,162
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.76%
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.$757,500
MUTUAL OF OMAHA MORTGAGE INC · recorded Dec 27, 2024
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.$340,000
AVB INVESTMENT LLC

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$18,174 (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.$1,165,900 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$325,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$840,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$929,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,165,900

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.41 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.88%
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.Cape Cod
CountyOCEAN
Lot (acres)The size of the land the home sits on, from county records.0.20
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.Baseboard
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Basement
PoolWhether the property has a pool, and what kind, such as in-ground.No
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.

E
Silver Bay Elementary SchoolB+
Elementary · Grades PK–5 · 0.6 mi
M
Toms River Intermediate School EastB
Middle · Grades 6–8 · 1.8 mi
H
Toms River High School EastC
High · Grades 9–12 · 2.6 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.Yes

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

195 Bay Stream 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.

  • Among the most valuable homes in Toms River 08753
  • Costs more per square foot than 98% of homes in Toms River 08753
  • Bigger than 83% of homes in Toms River 08753
  • Older than 85% of homes in Ocean County

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
$238K$1.4M

This home is worth more than almost all 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$1,610,202
CheaperTypical $528,961Pricier

Pricier than almost all homes nearby

Price per ft²$680
CheaperTypical $317Pricier

Pricier than 98% of homes nearby

Living area2,368 ft²
SmallerTypical 1,662 ft²Bigger

Bigger than 83% of homes nearby

Lot size0.2 ac
SmallerTypical 0.21 acBigger

Bigger than 47% of homes nearby

Year built1959
OlderTypical 1972Newer

Newer than 19% of homes nearby

How 195 Bay Stream Dr ranks against every home in each area.
MeasureThis homeToms River 08753Ocean County
Estimated valuepricier than$1,610,202almost all homes93% of homes
Price per ft²pricier than$68098% of homes88% of homes
Living areabigger than2,368 ft²83% of homes81% of homes
Lot sizebigger than0.2 ac47% of homes61% of homes
Year builtnewer than195919% of homes15% of homes

About 195 Bay Stream Dr

How much is 195 Bay Stream Dr, Toms River, NJ worth?

The TopHap Estimate for 195 Bay Stream Dr, Toms River, NJ is $1,610,202 as of Jul 14, 2026. The likely range is $1,365,785 to $1,854,619. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 195 Bay Stream Dr, Toms River, NJ last sell?

195 Bay Stream Dr, Toms River, NJ last sold on Jun 1, 2020 for $730,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 195 Bay Stream Dr, Toms River, NJ?

195 Bay Stream Dr, Toms River, NJ has 5 bedrooms, 4 bathrooms, 2,368 square feet of living space and a 0.20-acre lot.

When was 195 Bay Stream Dr, Toms River, NJ built?

195 Bay Stream Dr, Toms River, NJ was built in 1959, making it 67 years old. It is a cape cod home. The building has 2 stories.

What schools serve 195 Bay Stream Dr, Toms River, NJ?

195 Bay Stream Dr, Toms River, NJ is assigned to Silver Bay Elementary School (elementary), rated B+; Toms River Intermediate School East (middle), rated B; Toms River High School East (high), rated C. All sit in Toms River Regional School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 195 Bay Stream 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 almost all of them ($1,610,202 against a typical $528,961), its price per square foot is higher than 98% of them ($680 against a typical $317), it is bigger than 83% of them (2,368 ft² against a typical 1,662 ft²), its lot is bigger than 47% of them (0.2 ac against a typical 0.21 ac) and it is newer than 19% of them (1959 against a typical 1972). Measured against all of Ocean County, it is worth more than 93% 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 195 Bay Stream Dr, Toms River, NJ?

The 2025 property tax bill for 195 Bay Stream Dr, Toms River, NJ was $18,174. The county assessed it at $1,165,900.

Closest homes

More homes in Toms River 08753

Assigned schools

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