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Residential (General/Single)Residential
$727,917$364 / 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 92How 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

38 INSLEY AVE

RUTHERFORD, NJ 07070
0
Baths
2,001 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.
0.17 ac
Lot SizeThe size of the land the home sits on, from county records.
1953
Year BuiltThe year the home was originally built, according to county records.

Valuation

$728K
$670K low$786K 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.$564,917
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$451,934
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.22%
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.$111,000
WASHINGTON MUTUAL FSB · recorded Jan 29, 2007
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.$52,000
ROCKET MORTGAGE LLC

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$13,978 (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.$436,800 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$268,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$168,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$432,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$436,800

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.47 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.0.2 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.Residential (General/Single)
CountyBERGEN
Lot (acres)The size of the land the home sits on, from county records.0.17
PoolWhether the property has a pool, and what kind, such as in-ground.No

Neighborhood · ZIP 07070These 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.88
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.113
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.113

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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.34%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.4%
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.19,104
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.8,630 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$122,320
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$149,274
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.49 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

38 Insley Ave 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.

  • Costs less per square foot than 80% of homes in Rutherford 07070
  • Bigger than 65% of homes in Rutherford 07070
  • Has a bigger lot than 76% of homes in Rutherford 07070
  • Newer than 81% of homes in Rutherford 07070

What homes are worth in Rutherford 07070

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

This home
$292K$1.3M

This home is worth more than 55% of homes in Rutherford 07070.

How it measures up in Rutherford 07070

The dot is this home. The mark in the middle is the typical home in Rutherford 07070.

Estimated value$727,917
CheaperTypical $707,823Pricier

Pricier than 55% of homes nearby

Price per ft²$364
CheaperTypical $421Pricier

Pricier than 20% of homes nearby

Living area2,001 ft²
SmallerTypical 1,738 ft²Bigger

Bigger than 65% of homes nearby

Lot size0.17 ac
SmallerTypical 0.13 acBigger

Bigger than 76% of homes nearby

Year built1953
OlderTypical 1928Newer

Newer than 81% of homes nearby

How 38 Insley Ave ranks against every home in each area.
MeasureThis homeRutherford 07070Bergen County
Estimated valuepricier than$727,91755% of homes44% of homes
Price per ft²pricier than$36420% of homes21% of homes
Living areabigger than2,001 ft²65% of homes58% of homes
Lot sizebigger than0.17 ac76% of homes54% of homes
Year builtnewer than195381% of homes49% of homes

About 38 Insley Ave

How much is 38 Insley Ave, Rutherford, NJ worth?

The TopHap Estimate for 38 Insley Ave, Rutherford, NJ is $727,917 as of Jul 14, 2026. The likely range is $669,843 to $785,991. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 38 Insley Ave, Rutherford, NJ last sell?

38 Insley Ave, Rutherford, NJ last sold on Oct 25, 2000, according to the county's recorded deed.

How big is 38 Insley Ave, Rutherford, NJ?

38 Insley Ave, Rutherford, NJ has 2,001 square feet of living space and a 0.17-acre lot.

When was 38 Insley Ave, Rutherford, NJ built?

38 Insley Ave, Rutherford, NJ was built in 1953, making it 73 years old.

How does 38 Insley Ave, Rutherford, NJ compare to other homes in Rutherford 07070?

Among the 5,060 homes in Rutherford 07070, it is worth more than 55% of them ($727,917 against a typical $707,823), its price per square foot is higher than 20% of them ($364 against a typical $421), it is bigger than 65% of them (2,001 ft² against a typical 1,738 ft²), its lot is bigger than 76% of them (0.17 ac against a typical 0.13 ac) and it is newer than 81% of them (1953 against a typical 1928). Measured against all of Bergen County, it is worth more than 44% 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 38 Insley Ave, Rutherford, NJ?

The 2025 property tax bill for 38 Insley Ave, Rutherford, NJ was $13,978. The county assessed it at $436,800.

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