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Single Family ResidenceResidential
$475,137$252 / 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 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

20 SPRUCE DR

ANDOVER, NJ 07821
0
Baths
1,888 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.
0.28 ac
Lot SizeThe size of the land the home sits on, from county records.
1977
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$475K
$445K low$505K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$9,501 (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.$446,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$165,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$280,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$417,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$446,100

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.41
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
20
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
60
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
96
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
30
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
CountySUSSEX
Lot (acres)The size of the land the home sits on, from county records.0.28
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
Green Hills SchoolA-
Elementary · Grades PK–8 · 2.0 mi
H
Newton High SchoolC-
High · Grades 9–12 · 6.8 mi

District: Newton Town School District

Neighborhood · ZIP 07821These 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.69
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.90
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.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.32%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.3%
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.11,080
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.246 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$129,971
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$159,119
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.50 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

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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

20 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.

  • Costs less per square foot than 67% of homes in Andover 07821
  • Has a smaller lot than 73% of homes in Andover 07821

What homes are worth in Andover 07821

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

This home
$153K$994K

This home is worth more than 46% of homes in Andover 07821.

How it measures up in Andover 07821

The dot is this home. The mark in the middle is the typical home in Andover 07821.

Estimated value$475,137
CheaperTypical $489,709Pricier

Pricier than 46% of homes nearby

Price per ft²$252
CheaperTypical $276Pricier

Pricier than 33% of homes nearby

Living area1,888 ft²
SmallerTypical 1,860 ft²Bigger

Bigger than 51% of homes nearby

Lot size0.28 ac
SmallerTypical 0.5 acBigger

Bigger than 27% of homes nearby

Year built1977
OlderTypical 1973Newer

Newer than 60% of homes nearby

How 20 Spruce Dr ranks against every home in each area.
MeasureThis homeAndover 07821Sussex County
Estimated valuepricier than$475,13746% of homes61% of homes
Price per ft²pricier than$25233% of homes34% of homes
Living areabigger than1,888 ft²51% of homes63% of homes
Lot sizebigger than0.28 ac27% of homes38% of homes
Year builtnewer than197760% of homes59% of homes

About 20 Spruce Dr

How much is 20 Spruce Dr, Andover, NJ worth?

The TopHap Estimate for 20 Spruce Dr, Andover, NJ is $475,137 as of Aug 30, 2026. The likely range is $445,031 to $505,243. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20 Spruce Dr, Andover, NJ last sell?

20 Spruce Dr, Andover, NJ last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 20 Spruce Dr, Andover, NJ?

20 Spruce Dr, Andover, NJ has 1,888 square feet of living space and a 0.28-acre lot.

When was 20 Spruce Dr, Andover, NJ built?

20 Spruce Dr, Andover, NJ was built in 1977, making it 49 years old. The building has 1 story.

What schools serve 20 Spruce Dr, Andover, NJ?

20 Spruce Dr, Andover, NJ is assigned to Green Hills School (elementary), rated A-; Newton High School (high), rated C-. All sit in Newton Town School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20 Spruce Dr, Andover, NJ compare to other homes in Andover 07821?

Among the 3,729 homes in Andover 07821, it is worth more than 46% of them ($475,137 against a typical $489,709), its price per square foot is higher than 33% of them ($252 against a typical $276), it is bigger than 51% of them (1,888 ft² against a typical 1,860 ft²), its lot is bigger than 27% of them (0.28 ac against a typical 0.5 ac) and it is newer than 60% of them (1977 against a typical 1973). Measured against all of Sussex County, it is worth more than 61% 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 20 Spruce Dr, Andover, NJ?

The 2025 property tax bill for 20 Spruce Dr, Andover, NJ was $9,501. The county assessed it at $446,100.

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