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Single Family ResidenceResidential
$415,000$395 / 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 $415,000 on Jul 23, 2026

39 HARBORAGE AVE

BAYVILLE, NJ 08721
2
Beds
1
Baths
1,050 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.
1960
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$415K
$391K low$439K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$415,000 · Jul 23, 2026
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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
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.71%
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.$407,483
FIRST ALLIANCE HOME MORTGAGE · E · 6.52% · recorded Jul 23, 2026
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.$15,000
FIRST ALLIANCE HOME MORTGAGE

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,602 (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.$177,700 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$103,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$74,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$177,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$177,700

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.13 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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
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.0.17
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

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(3)

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

E
H & M Potter SchoolC
Elementary · Grades PK–4 · 0.4 mi
H
Central Regional High SchoolD+
High · Grades 9–12 · 3.2 mi
M
Central Regional Middle SchoolC
Middle · Grades 7–8 · 3.5 mi

District: Central Regional School District

Neighborhood · ZIP 08721These 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.68
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.116
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.63

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.90%
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.6.6%
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.22,790
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.966 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$100,814
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$124,907
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

39 Harborage 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.

  • Worth less than 76% of homes in Bayville 08721
  • Costs more per square foot than 82% of homes in Bayville 08721
  • Smaller than 88% of homes in Bayville 08721
  • Has a smaller lot than 71% of homes in Bayville 08721
  • Older than 82% of homes in Ocean County

What homes are worth in Bayville 08721

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

This home
$282K$1.1M

This home is worth more than 24% of homes in Bayville 08721.

How it measures up in Bayville 08721

The dot is this home. The mark in the middle is the typical home in Bayville 08721.

Estimated value$415,000
CheaperTypical $512,053Pricier

Pricier than 24% of homes nearby

Price per ft²$395
CheaperTypical $306Pricier

Pricier than 82% of homes nearby

Living area1,050 ft²
SmallerTypical 1,661 ft²Bigger

Bigger than 12% of homes nearby

Lot size0.17 ac
SmallerTypical 0.25 acBigger

Bigger than 29% of homes nearby

Year built1960
OlderTypical 1985Newer

Newer than 20% of homes nearby

How 39 Harborage Ave ranks against every home in each area.
MeasureThis homeBayville 08721Ocean County
Estimated valuepricier than$415,00024% of homes27% of homes
Price per ft²pricier than$39582% of homes68% of homes
Living areabigger than1,050 ft²12% of homes15% of homes
Lot sizebigger than0.17 ac29% of homes53% of homes
Year builtnewer than196020% of homes18% of homes

About 39 Harborage Ave

How much is 39 Harborage Ave, Bayville, NJ worth?

The TopHap Estimate for 39 Harborage Ave, Bayville, NJ is $415,000 as of Jul 14, 2026. The likely range is $391,204 to $438,796. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 39 Harborage Ave, Bayville, NJ last sell?

39 Harborage Ave, Bayville, NJ last sold on Jul 23, 2026 for $415,000, according to the county's recorded deed. TopHap holds 10 recorded sales for this parcel.

How big is 39 Harborage Ave, Bayville, NJ?

39 Harborage Ave, Bayville, NJ has 2 bedrooms, 1 bathrooms, 1,050 square feet of living space and a 0.17-acre lot.

When was 39 Harborage Ave, Bayville, NJ built?

39 Harborage Ave, Bayville, NJ was built in 1960, making it 66 years old. It is a ranch home. The building has 1 story.

What schools serve 39 Harborage Ave, Bayville, NJ?

39 Harborage Ave, Bayville, NJ is assigned to H & M Potter School (elementary), rated C; Central Regional High School (high), rated D+; Central Regional Middle School (middle), rated C. All sit in Central Regional School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 39 Harborage Ave, Bayville, NJ compare to other homes in Bayville 08721?

Among the 8,118 homes in Bayville 08721, it is worth more than 24% of them ($415,000 against a typical $512,053), its price per square foot is higher than 82% of them ($395 against a typical $306), it is bigger than 12% of them (1,050 ft² against a typical 1,661 ft²), its lot is bigger than 29% of them (0.17 ac against a typical 0.25 ac) and it is newer than 20% of them (1960 against a typical 1985). Measured against all of Ocean County, it is worth more than 27% 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 39 Harborage Ave, Bayville, NJ?

The 2025 property tax bill for 39 Harborage Ave, Bayville, NJ was $4,602. The county assessed it at $177,700.

Closest homes

More homes in Bayville 08721

Assigned schools

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