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Single Family ResidenceResidential
$463,401$327 / 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

3222 OSBORN TER

TOMS RIVER, NJ 08753
3
Beds
1
Baths
1,417 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.
0.14 ac
Lot SizeThe size of the land the home sits on, from county records.
1972
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$463K
$436K low$491K 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.$296,801
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$237,441
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.37%
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.$5,600
SOVEREIGN BANK · E · recorded Dec 19, 2001
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.$161,000
SOVEREIGN BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,798 (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.$296,700 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$88,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$208,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$296,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$296,700

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.Ranch
CountyOCEAN
Lot (acres)The size of the land the home sits on, from county records.0.14
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
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck

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 · 1.6 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

3222 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 less than 65% of homes in Toms River 08753
  • Has a smaller lot than 77% of homes in Toms River 08753
  • Older than 65% of homes in Ocean County

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
$240K$1.4M

This home is worth more than 35% 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$463,401
CheaperTypical $529,904Pricier

Pricier than 35% of homes nearby

Price per ft²$327
CheaperTypical $318Pricier

Pricier than 55% of homes nearby

Living area1,417 ft²
SmallerTypical 1,663 ft²Bigger

Bigger than 37% of homes nearby

Lot size0.14 ac
SmallerTypical 0.21 acBigger

Bigger than 23% of homes nearby

Year built1972
OlderTypical 1972Newer

Newer than 53% of homes nearby

How 3222 Osborn Ter ranks against every home in each area.
MeasureThis homeToms River 08753Ocean County
Estimated valuepricier than$463,40135% of homes36% of homes
Price per ft²pricier than$32755% of homes50% of homes
Living areabigger than1,417 ft²37% of homes39% of homes
Lot sizebigger than0.14 ac23% of homes34% of homes
Year builtnewer than197253% of homes35% of homes

About 3222 Osborn Ter

How much is 3222 Osborn Ter, Toms River, NJ worth?

The TopHap Estimate for 3222 Osborn Ter, Toms River, NJ is $463,401 as of Jul 14, 2026. The likely range is $435,589 to $491,213. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3222 Osborn Ter, Toms River, NJ last sell?

3222 Osborn Ter, Toms River, NJ last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3222 Osborn Ter, Toms River, NJ?

3222 Osborn Ter, Toms River, NJ has 3 bedrooms, 1 bathrooms, 1,417 square feet of living space and a 0.14-acre lot.

When was 3222 Osborn Ter, Toms River, NJ built?

3222 Osborn Ter, Toms River, NJ was built in 1972, making it 54 years old. It is a ranch home. The building has 1 story.

What schools serve 3222 Osborn Ter, Toms River, NJ?

3222 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 3222 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 35% of them ($463,401 against a typical $529,904), its price per square foot is higher than 55% of them ($327 against a typical $318), it is bigger than 37% of them (1,417 ft² against a typical 1,663 ft²), its lot is bigger than 23% of them (0.14 ac against a typical 0.21 ac) and it is newer than 53% of them (1972 against a typical 1972). Measured against all of Ocean County, it is worth more than 36% 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 3222 Osborn Ter, Toms River, NJ?

The 2025 property tax bill for 3222 Osborn Ter, Toms River, NJ was $5,798. The county assessed it at $296,700.

Closest homes

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Assigned schools

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