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Single Family ResidenceResidential
$316,366$379 / 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 83How 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 $83,500 on Nov 6, 2000

3 RUBY DR

OAK RIDGE, NJ 07438
0
Baths
834 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.
0.22 ac
Lot SizeThe size of the land the home sits on, from county records.
1945
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$316K
$262K low$370K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$83,500 · Nov 6, 2000
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.$256,366
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$205,093
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.19%
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.$60,000
PHH US MORTGAGE · recorded Nov 6, 2000

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,470 (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.$182,200 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$137,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$44,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$182,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$182,200

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.51
39
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
17
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
58
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
98
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
47
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.43 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%

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.0.22
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(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.

H
Jefferson Township High SchoolC-
High · Grades 9–12 · 2.1 mi
M
Jefferson Township Middle SchoolB+
Middle · Grades 6–8 · 2.1 mi
E
Cozy Lake Elementary School
Elementary · Grades 1–2 · 2.7 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.Absentee owner
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

3 Ruby 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.

  • Worth less than 98% of homes in Morris County
  • Costs more per square foot than 82% of homes in Oak Ridge 07438
  • Smaller than 96% of homes in Morris County
  • Has a smaller lot than 81% of homes in Oak Ridge 07438
  • Older than 87% 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
$292K$862K

This home is worth more than 4% 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$316,366
CheaperTypical $538,965Pricier

Pricier than 4% of homes nearby

Price per ft²$379
CheaperTypical $300Pricier

Pricier than 82% of homes nearby

Living area834 ft²
SmallerTypical 1,830 ft²Bigger

Bigger than 5% of homes nearby

Lot size0.22 ac
SmallerTypical 0.48 acBigger

Bigger than 19% of homes nearby

Year built1945
OlderTypical 1970Newer

Newer than 13% of homes nearby

How 3 Ruby Dr ranks against every home in each area.
MeasureThis homeOak Ridge 07438Morris County
Estimated valuepricier than$316,3664% of homes2% of homes
Price per ft²pricier than$37982% of homes58% of homes
Living areabigger than834 ft²5% of homes4% of homes
Lot sizebigger than0.22 ac19% of homes33% of homes
Year builtnewer than194513% of homes18% of homes

About 3 Ruby Dr

How much is 3 Ruby Dr, Oak Ridge, NJ worth?

The TopHap Estimate for 3 Ruby Dr, Oak Ridge, NJ is $316,366 as of Jul 14, 2026. The likely range is $262,345 to $370,387. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3 Ruby Dr, Oak Ridge, NJ last sell?

3 Ruby Dr, Oak Ridge, NJ last sold on Nov 6, 2000 for $83,500, according to the county's recorded deed.

How big is 3 Ruby Dr, Oak Ridge, NJ?

3 Ruby Dr, Oak Ridge, NJ has 834 square feet of living space and a 0.22-acre lot.

When was 3 Ruby Dr, Oak Ridge, NJ built?

3 Ruby Dr, Oak Ridge, NJ was built in 1945, making it 81 years old. The building has 1 story.

What schools serve 3 Ruby Dr, Oak Ridge, NJ?

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

How does 3 Ruby Dr, 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 4% of them ($316,366 against a typical $538,965), its price per square foot is higher than 82% of them ($379 against a typical $300), it is bigger than 5% of them (834 ft² against a typical 1,830 ft²), its lot is bigger than 19% of them (0.22 ac against a typical 0.48 ac) and it is newer than 13% of them (1945 against a typical 1970). Measured against all of Morris County, it is worth more than 2% 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 3 Ruby Dr, Oak Ridge, NJ?

The 2024 property tax bill for 3 Ruby Dr, Oak Ridge, NJ was $5,470. The county assessed it at $182,200.

Closest homes

More homes in Oak Ridge 07438

Assigned schools

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