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Single Family ResidenceResidential
$631,033$306 / 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 Jul 14, 2026
Last sold for $549,900 on Oct 17, 2023

3097 RIVER RD

PHILLIPSBURG, NJ 08865
0
Baths
2,064 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.
0.92 ac
Lot SizeThe size of the land the home sits on, from county records.
1890
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$631K
$592K 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.$549,900 · Oct 17, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$9,943 (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.$373,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$41,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$331,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$373,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$373,100

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.30
99
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.34%
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.1 percent flood zone

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.0.92
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(10)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(2)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Harmony Township SchoolC+
Elementary · Grades PK–8 · 3.3 mi
H
Belvidere High SchoolC-
High · Grades 9–12 · 3.8 mi

District: Harmony Township 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

3097 River 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 96% of homes in Phillipsburg 08865
  • Costs more per square foot than 85% of homes in Phillipsburg 08865
  • Bigger than 81% of homes in Phillipsburg 08865
  • Has a bigger lot than 91% of homes in Phillipsburg 08865
  • Older than 95% of homes in Phillipsburg 08865

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
$155K$691K

This home is worth more than 96% 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$631,033
CheaperTypical $344,878Pricier

Pricier than 96% of homes nearby

Price per ft²$306
CheaperTypical $238Pricier

Pricier than 85% of homes nearby

Living area2,064 ft²
SmallerTypical 1,462 ft²Bigger

Bigger than 81% of homes nearby

Lot size0.92 ac
SmallerTypical 0.17 acBigger

Bigger than 91% of homes nearby

Year built1890
OlderTypical 1945Newer

Newer than 5% of homes nearby

How 3097 River Rd ranks against every home in each area.
MeasureThis homePhillipsburg 08865Warren County
Estimated valuepricier than$631,03396% of homes87% of homes
Price per ft²pricier than$30685% of homes82% of homes
Living areabigger than2,064 ft²81% of homes68% of homes
Lot sizebigger than0.92 ac91% of homes69% of homes
Year builtnewer than18905% of homes7% of homes

About 3097 River Rd

How much is 3097 River Rd, Phillipsburg, NJ worth?

The TopHap Estimate for 3097 River Rd, Phillipsburg, NJ is $631,033 as of Jul 14, 2026. The likely range is $592,470 to $669,596. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3097 River Rd, Phillipsburg, NJ last sell?

3097 River Rd, Phillipsburg, NJ last sold on Oct 17, 2023 for $549,900, according to the county's recorded deed. TopHap holds 5 recorded sales for this parcel.

How big is 3097 River Rd, Phillipsburg, NJ?

3097 River Rd, Phillipsburg, NJ has 2,064 square feet of living space and a 0.92-acre lot.

When was 3097 River Rd, Phillipsburg, NJ built?

3097 River Rd, Phillipsburg, NJ was built in 1890, making it 136 years old. The building has 2 stories.

What schools serve 3097 River Rd, Phillipsburg, NJ?

3097 River Rd, Phillipsburg, NJ is assigned to Harmony Township School (elementary), rated C+; Belvidere High School (high), rated C-. All sit in Harmony Township School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3097 River Rd, Phillipsburg, NJ compare to other homes in Phillipsburg 08865?

Among the 9,863 homes in Phillipsburg 08865, it is worth more than 96% of them ($631,033 against a typical $344,878), its price per square foot is higher than 85% of them ($306 against a typical $238), it is bigger than 81% of them (2,064 ft² against a typical 1,462 ft²), its lot is bigger than 91% of them (0.92 ac against a typical 0.17 ac) and it is newer than 5% of them (1890 against a typical 1945). Measured against all of Warren County, it is worth more than 87% 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 3097 River Rd, Phillipsburg, NJ?

The 2025 property tax bill for 3097 River Rd, Phillipsburg, NJ was $9,943. The county assessed it at $373,100.

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