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Single Family ResidenceResidential
$296,175$212 / 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 96How 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
Last sold for $92,900 on Dec 10, 2002

286 PROSPECT ST

PHILLIPSBURG, NJ 08865
0
Baths
1,400 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.
0.11 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$296K
$283K low$309K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$92,900 · Dec 10, 2002

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,371 (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.$72,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$27,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$44,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$72,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$72,100

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.7
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
4
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
Lot (acres)The size of the land the home sits on, from county records.0.11
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

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.

M
Phillipsburg Middle SchoolC-
Middle · Grades 6–8 · 0.4 mi
E
Philipsburg Primary School
Elementary · Grades 1–2 · 1.2 mi
H
Phillipsburg High SchoolC+
High · Grades 9–12 · 1.4 mi

District: Phillipsburg Town School District

Neighborhood · ZIP 08865These 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.122
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.76

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.21%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.31,496
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.725 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$75,055
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$96,798
Average tempThe average temperature here across a full year.51°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%

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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

286 Prospect 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 84% of homes in Warren County
  • Costs less per square foot than 74% of homes in Warren County
  • Smaller than 68% of homes in Warren County
  • Has a smaller lot than 77% of homes in Warren County
  • Older than 79% of homes in Warren County

What homes are worth in Phillipsburg 08865

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

This home
$159K$699K

This home is worth more than 31% of homes in Phillipsburg 08865.

How it measures up in Phillipsburg 08865

The dot is this home. The mark in the middle is the typical home in Phillipsburg 08865.

Estimated value$296,175
CheaperTypical $346,142Pricier

Pricier than 31% of homes nearby

Price per ft²$212
CheaperTypical $239Pricier

Pricier than 36% of homes nearby

Living area1,400 ft²
SmallerTypical 1,464 ft²Bigger

Bigger than 45% of homes nearby

Lot size0.11 ac
SmallerTypical 0.17 acBigger

Bigger than 37% of homes nearby

Year built1920
OlderTypical 1945Newer

Newer than 35% of homes nearby

How 286 Prospect St ranks against every home in each area.
MeasureThis homePhillipsburg 08865Warren County
Estimated valuepricier than$296,17531% of homes16% of homes
Price per ft²pricier than$21236% of homes26% of homes
Living areabigger than1,400 ft²45% of homes32% of homes
Lot sizebigger than0.11 ac37% of homes23% of homes
Year builtnewer than192035% of homes21% of homes

About 286 Prospect St

How much is 286 Prospect St, Phillipsburg, NJ worth?

The TopHap Estimate for 286 Prospect St, Phillipsburg, NJ is $296,175 as of Aug 30, 2026. The likely range is $283,257 to $309,093. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 286 Prospect St, Phillipsburg, NJ last sell?

286 Prospect St, Phillipsburg, NJ last sold on Dec 10, 2002 for $92,900, according to the county's recorded deed.

How big is 286 Prospect St, Phillipsburg, NJ?

286 Prospect St, Phillipsburg, NJ has 1,400 square feet of living space and a 0.11-acre lot.

When was 286 Prospect St, Phillipsburg, NJ built?

286 Prospect St, Phillipsburg, NJ was built in 1920, making it 106 years old. The building has 2 stories.

What schools serve 286 Prospect St, Phillipsburg, NJ?

286 Prospect St, Phillipsburg, NJ is assigned to Phillipsburg Middle School (middle), rated C-; Philipsburg Primary School (elementary); Phillipsburg High School (high), rated C+. All sit in Phillipsburg Town School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 286 Prospect St, Phillipsburg, NJ compare to other homes in Phillipsburg 08865?

Among the 9,863 homes in Phillipsburg 08865, it is worth more than 31% of them ($296,175 against a typical $346,142), its price per square foot is higher than 36% of them ($212 against a typical $239), it is bigger than 45% of them (1,400 ft² against a typical 1,464 ft²), its lot is bigger than 37% of them (0.11 ac against a typical 0.17 ac) and it is newer than 35% of them (1920 against a typical 1945). Measured against all of Warren County, it is worth more than 16% 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 286 Prospect St, Phillipsburg, NJ?

The 2025 property tax bill for 286 Prospect St, Phillipsburg, NJ was $3,371. The county assessed it at $72,100.

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Assigned schools

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