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Single Family ResidenceResidential
$608,866$222 / 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 90How 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 $262,000 on May 4, 1998

21 SADDLE RIDGE RD

ANDOVER, NJ 07821
0
Baths
2,748 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.
2.08 ac
Lot SizeThe size of the land the home sits on, from county records.
1998
Year BuiltThe year the home was originally built, according to county records.

Valuation

$609K
$548K low$670K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$262,000 · May 4, 1998
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.$398,866
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$319,093
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.28%
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.$210,000
WELLS FARGO HOME MORTGAGE INC · recorded Jul 14, 2003

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$12,427 (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.$434,800 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$89,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$345,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$434,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$434,800

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.10
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
21
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. 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
CountyWARREN
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

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
Frelinghuysen Township Elementary SchoolB+
Elementary · Grades PK–6 · 1.9 mi
M
North Warren Regional High SchoolB-
Middle · Grades 7–12 · 6.4 mi

District: North Warren Regional 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%

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 Saddle Ridge Rd 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 85% of homes in Warren County
  • Costs less per square foot than 86% of homes in Andover 07821
  • Bigger than 89% of homes in Warren County
  • Has a bigger lot than 87% of homes in Warren County
  • Newer than 87% 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
$165K$1M

This home is worth more than 69% 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$608,866
CheaperTypical $513,834Pricier

Pricier than 69% of homes nearby

Price per ft²$222
CheaperTypical $285Pricier

Pricier than 14% of homes nearby

Living area2,748 ft²
SmallerTypical 1,863 ft²Bigger

Bigger than 81% of homes nearby

Lot size2.08 ac
SmallerTypical 0.5 acBigger

Bigger than 81% of homes nearby

Year built1998
OlderTypical 1973Newer

Newer than 87% of homes nearby

How 21 Saddle Ridge Rd ranks against every home in each area.
MeasureThis homeAndover 07821Warren County
Estimated valuepricier than$608,86669% of homes85% of homes
Price per ft²pricier than$22214% of homes29% of homes
Living areabigger than2,748 ft²81% of homes89% of homes
Lot sizebigger than2.08 ac81% of homes87% of homes
Year builtnewer than199887% of homes82% of homes

About 21 Saddle Ridge Rd

How much is 21 Saddle Ridge Rd, Andover, NJ worth?

The TopHap Estimate for 21 Saddle Ridge Rd, Andover, NJ is $608,866 as of Jul 14, 2026. The likely range is $547,536 to $670,196. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 21 Saddle Ridge Rd, Andover, NJ last sell?

21 Saddle Ridge Rd, Andover, NJ last sold on May 4, 1998 for $262,000, according to the county's recorded deed.

When was 21 Saddle Ridge Rd, Andover, NJ built?

21 Saddle Ridge Rd, Andover, NJ was built in 1998, making it 28 years old.

What schools serve 21 Saddle Ridge Rd, Andover, NJ?

21 Saddle Ridge Rd, Andover, NJ is assigned to Frelinghuysen Township Elementary School (elementary), rated B+; North Warren Regional High School (middle), rated B-. All sit in North Warren Regional School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 21 Saddle Ridge Rd, Andover, NJ compare to other homes in Andover 07821?

Among the 3,729 homes in Andover 07821, it is worth more than 69% of them ($608,866 against a typical $513,834), its price per square foot is higher than 14% of them ($222 against a typical $285), it is bigger than 81% of them (2,748 ft² against a typical 1,863 ft²), its lot is bigger than 81% of them (2.08 ac against a typical 0.5 ac) and it is newer than 87% of them (1998 against a typical 1973). Measured against all of Warren County, it is worth more than 85% 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 Saddle Ridge Rd, Andover, NJ?

The 2025 property tax bill for 21 Saddle Ridge Rd, Andover, NJ was $12,427. The county assessed it at $434,800.

Closest homes

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Assigned schools

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