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Single Family ResidenceResidential
$769,628$305 / 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 86How 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

3204 OSBORN TER

TOMS RIVER, NJ 08753
3
Beds
3
Baths
2,525 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.
0.18 ac
Lot SizeThe size of the land the home sits on, from county records.
2002
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$770K
$659K low$880K high
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.$414,532
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$331,626
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.47%
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.$182,596
FLEET NATIONAL BANK · recorded May 28, 2003
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.$122,500
BANK OF AMERICA
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.$50,000

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$9,575 (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.$490,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$96,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$394,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$490,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$490,000

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.54
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
62
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
79
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
31
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.46 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.87%
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
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountyOCEAN
Lot (acres)The size of the land the home sits on, from county records.0.18
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asbestos
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
FireplaceWhether the home has a fireplace, and what kind.Yes
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.

H
Toms River High School EastC
High · Grades 9–12 · 1.5 mi
E
Cedar Grove Elementary SchoolB-
Elementary · Grades PK–5 · 3.0 mi
M
Toms River Intermediate School EastB
Middle · Grades 6–8 · 3.9 mi

District: Toms River Regional School District

Neighborhood · ZIP 08753These 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.74
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.112
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.66

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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.27%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.1%
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.66,911
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,280 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$101,815
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$128,431
Average tempThe average temperature here across a full year.53°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%

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

3204 Osborn Ter 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 84% of homes in Toms River 08753
  • Bigger than 87% of homes in Toms River 08753
  • Newer than 92% of homes in Toms River 08753

What homes are worth in Toms River 08753

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

This home
$237K$1.4M

This home is worth more than 84% of homes in Toms River 08753.

How it measures up in Toms River 08753

The dot is this home. The mark in the middle is the typical home in Toms River 08753.

Estimated value$769,628
CheaperTypical $528,388Pricier

Pricier than 84% of homes nearby

Price per ft²$305
CheaperTypical $318Pricier

Pricier than 42% of homes nearby

Living area2,525 ft²
SmallerTypical 1,660 ft²Bigger

Bigger than 87% of homes nearby

Lot size0.18 ac
SmallerTypical 0.21 acBigger

Bigger than 42% of homes nearby

Year built2002
OlderTypical 1971Newer

Newer than 92% of homes nearby

How 3204 Osborn Ter ranks against every home in each area.
MeasureThis homeToms River 08753Ocean County
Estimated valuepricier than$769,62884% of homes72% of homes
Price per ft²pricier than$30542% of homes42% of homes
Living areabigger than2,525 ft²87% of homes85% of homes
Lot sizebigger than0.18 ac42% of homes56% of homes
Year builtnewer than200292% of homes81% of homes

About 3204 Osborn Ter

How much is 3204 Osborn Ter, Toms River, NJ worth?

The TopHap Estimate for 3204 Osborn Ter, Toms River, NJ is $769,628 as of Jul 14, 2026. The likely range is $659,179 to $880,077. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3204 Osborn Ter, Toms River, NJ last sell?

3204 Osborn Ter, Toms River, NJ last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3204 Osborn Ter, Toms River, NJ?

3204 Osborn Ter, Toms River, NJ has 3 bedrooms, 3 bathrooms, 2,525 square feet of living space and a 0.18-acre lot.

When was 3204 Osborn Ter, Toms River, NJ built?

3204 Osborn Ter, Toms River, NJ was built in 2002, making it 24 years old. It is a colonial home. The building has 2 stories.

What schools serve 3204 Osborn Ter, Toms River, NJ?

3204 Osborn Ter, Toms River, NJ is assigned to Toms River High School East (high), rated C; Cedar Grove Elementary School (elementary), rated B-; Toms River Intermediate School East (middle), rated B. All sit in Toms River Regional School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3204 Osborn Ter, Toms River, NJ compare to other homes in Toms River 08753?

Among the 24,342 homes in Toms River 08753, it is worth more than 84% of them ($769,628 against a typical $528,388), its price per square foot is higher than 42% of them ($305 against a typical $318), it is bigger than 87% of them (2,525 ft² against a typical 1,660 ft²), its lot is bigger than 42% of them (0.18 ac against a typical 0.21 ac) and it is newer than 92% of them (2002 against a typical 1971). Measured against all of Ocean County, it is worth more than 72% 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 3204 Osborn Ter, Toms River, NJ?

The 2025 property tax bill for 3204 Osborn Ter, Toms River, NJ was $9,575. The county assessed it at $490,000.

Closest homes

More homes in Toms River 08753

Assigned schools

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