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Single Family ResidenceResidential
$472,438$307 / 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 $345,500 on Jun 7, 2006

21 CINDY LN

OAK RIDGE, NJ 07438
0
Baths
1,540 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.
0.26 ac
Lot SizeThe size of the land the home sits on, from county records.
1964
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$472K
$448K low$497K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$345,500 · Jun 7, 2006
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.$106,438
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$85,150
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.74%
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.$270,000
NEW JERSEY LENDERS CORP · recorded Jun 5, 2006
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.$75,000
LAKELAND BANK
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.$21,000

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,619 (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.$287,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$146,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$140,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$287,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$287,100

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.11 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

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
CountyMORRIS
Lot (acres)The size of the land the home sits on, from county records.0.26
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
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
Cozy Lake Elementary School
Elementary · Grades 1–2 · 1.1 mi
H
Jefferson Township High SchoolC-
High · Grades 9–12 · 2.5 mi
M
Jefferson Township Middle SchoolB+
Middle · Grades 6–8 · 2.6 mi

District: Jefferson Township School District

Neighborhood · ZIP 07438These 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.92
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.98
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.96

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.95%
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.6.6%
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.10,737
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.348 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$132,132
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$140,254
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.52 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

21 Cindy Ln 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 87% of homes in Morris County
  • Costs less per square foot than 77% of homes in Morris County
  • Smaller than 72% of homes in Morris County
  • Has a smaller lot than 69% of homes in Oak Ridge 07438

What homes are worth in Oak Ridge 07438

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

This home
$294K$865K

This home is worth more than 29% of homes in Oak Ridge 07438.

How it measures up in Oak Ridge 07438

The dot is this home. The mark in the middle is the typical home in Oak Ridge 07438.

Estimated value$472,438
CheaperTypical $538,461Pricier

Pricier than 29% of homes nearby

Price per ft²$307
CheaperTypical $300Pricier

Pricier than 54% of homes nearby

Living area1,540 ft²
SmallerTypical 1,824 ft²Bigger

Bigger than 36% of homes nearby

Lot size0.26 ac
SmallerTypical 0.48 acBigger

Bigger than 31% of homes nearby

Year built1964
OlderTypical 1970Newer

Newer than 43% of homes nearby

How 21 Cindy Ln ranks against every home in each area.
MeasureThis homeOak Ridge 07438Morris County
Estimated valuepricier than$472,43829% of homes13% of homes
Price per ft²pricier than$30754% of homes23% of homes
Living areabigger than1,540 ft²36% of homes28% of homes
Lot sizebigger than0.26 ac31% of homes39% of homes
Year builtnewer than196443% of homes46% of homes

About 21 Cindy Ln

How much is 21 Cindy Ln, Oak Ridge, NJ worth?

The TopHap Estimate for 21 Cindy Ln, Oak Ridge, NJ is $472,438 as of Jul 14, 2026. The likely range is $448,369 to $496,507. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 21 Cindy Ln, Oak Ridge, NJ last sell?

21 Cindy Ln, Oak Ridge, NJ last sold on Jun 7, 2006 for $345,500, according to the county's recorded deed.

How big is 21 Cindy Ln, Oak Ridge, NJ?

21 Cindy Ln, Oak Ridge, NJ has 1,540 square feet of living space and a 0.26-acre lot.

When was 21 Cindy Ln, Oak Ridge, NJ built?

21 Cindy Ln, Oak Ridge, NJ was built in 1964, making it 62 years old. The building has 1 story.

What schools serve 21 Cindy Ln, Oak Ridge, NJ?

21 Cindy Ln, Oak Ridge, NJ is assigned to Cozy Lake Elementary School (elementary); Jefferson Township High School (high), rated C-; Jefferson Township Middle School (middle), rated B+. All sit in Jefferson Township School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 21 Cindy Ln, Oak Ridge, NJ compare to other homes in Oak Ridge 07438?

Among the 3,831 homes in Oak Ridge 07438, it is worth more than 29% of them ($472,438 against a typical $538,461), its price per square foot is higher than 54% of them ($307 against a typical $300), it is bigger than 36% of them (1,540 ft² against a typical 1,824 ft²), its lot is bigger than 31% of them (0.26 ac against a typical 0.48 ac) and it is newer than 43% of them (1964 against a typical 1970). Measured against all of Morris County, it is worth more than 13% 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 21 Cindy Ln, Oak Ridge, NJ?

The 2024 property tax bill for 21 Cindy Ln, Oak Ridge, NJ was $8,619. The county assessed it at $287,100.

Closest homes

More homes in Oak Ridge 07438

Assigned schools

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