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Single Family ResidenceResidential
$354,023$195 / 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 82How 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 $317,500 on Nov 21, 2024

38 RIVER RD

MONTAGUE, NJ 07827
0
Baths
1,812 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.
0.42 ac
Lot SizeThe size of the land the home sits on, from county records.
1973
Year BuiltThe year the home was originally built, according to county records.

Valuation

$354K
$291K low$417K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$317,500 · Nov 21, 2024
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.$179,023
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$143,218
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.50%
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.$175,000
ROCKET MORTGAGE LLC · recorded Jul 14, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,508 (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.$211,700 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$110,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$101,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$211,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$211,700

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.51
57
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
15
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
59
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
97
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. 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.21 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.minimal

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
CountySUSSEX
Lot (acres)The size of the land the home sits on, from county records.0.42
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
Lenape Valley Regional High SchoolC
High · Grades 9–12 · 1.5 mi
E
Byram Lakes Elementary SchoolB
Elementary · Grades PK–4 · 1.8 mi
M
Byram Intermediate SchoolB+
Middle · Grades 5–8 · 1.8 mi

District: Byram Township School District

Neighborhood · ZIP 07827These 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.125
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.96
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.91

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.87%
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.9.3%
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.4,264
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.80 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$87,544
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$117,620
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.47 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 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 less than 72% of homes in Sussex County
  • Costs less per square foot than 93% of homes in Sussex County
  • Bigger than 70% of homes in Montague 07827
  • Has a smaller lot than 76% of homes in Montague 07827

What homes are worth in Montague 07827

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

This home
$67K$591K

This home is worth more than 66% of homes in Montague 07827.

How it measures up in Montague 07827

The dot is this home. The mark in the middle is the typical home in Montague 07827.

Estimated value$354,023
CheaperTypical $276,608Pricier

Pricier than 66% of homes nearby

Price per ft²$195
CheaperTypical $204Pricier

Pricier than 42% of homes nearby

Living area1,812 ft²
SmallerTypical 1,402 ft²Bigger

Bigger than 70% of homes nearby

Lot size0.42 ac
SmallerTypical 0.75 acBigger

Bigger than 24% of homes nearby

Year built1973
OlderTypical 1975Newer

Newer than 38% of homes nearby

How 38 River Rd ranks against every home in each area.
MeasureThis homeMontague 07827Sussex County
Estimated valuepricier than$354,02366% of homes28% of homes
Price per ft²pricier than$19542% of homes7% of homes
Living areabigger than1,812 ft²70% of homes59% of homes
Lot sizebigger than0.42 ac24% of homes53% of homes
Year builtnewer than197338% of homes52% of homes

About 38 River Rd

How much is 38 River Rd, Montague, NJ worth?

The TopHap Estimate for 38 River Rd, Montague, NJ is $354,023 as of Jul 14, 2026. The likely range is $290,743 to $417,303. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 38 River Rd, Montague, NJ last sell?

38 River Rd, Montague, NJ last sold on Nov 21, 2024 for $317,500, according to the county's recorded deed.

How big is 38 River Rd, Montague, NJ?

38 River Rd, Montague, NJ has 1,812 square feet of living space and a 0.42-acre lot.

When was 38 River Rd, Montague, NJ built?

38 River Rd, Montague, NJ was built in 1973, making it 53 years old.

What schools serve 38 River Rd, Montague, NJ?

38 River Rd, Montague, NJ is assigned to Lenape Valley Regional High School (high), rated C; Byram Lakes Elementary School (elementary), rated B; Byram Intermediate School (middle), rated B+. All sit in Byram Township School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 38 River Rd, Montague, NJ compare to other homes in Montague 07827?

Among the 2,720 homes in Montague 07827, it is worth more than 66% of them ($354,023 against a typical $276,608), its price per square foot is higher than 42% of them ($195 against a typical $204), it is bigger than 70% of them (1,812 ft² against a typical 1,402 ft²), its lot is bigger than 24% of them (0.42 ac against a typical 0.75 ac) and it is newer than 38% of them (1973 against a typical 1975). Measured against all of Sussex County, it is worth more than 28% 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 River Rd, Montague, NJ?

The 2025 property tax bill for 38 River Rd, Montague, NJ was $8,508. The county assessed it at $211,700.

Closest homes

More homes in Montague 07827

Assigned schools

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