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Single Family ResidenceResidential
$505,775$484 / 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 95How 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

40 GARDEN ST

SOUTH RIVER, NJ 08882
0
Baths
1,044 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.
0.15 ac
Lot SizeThe size of the land the home sits on, from county records.
1956
Year BuiltThe year the home was originally built, according to county records.

Valuation

$506K
$480K low$531K 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.$410,775
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$328,620
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.19%
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.$95,000
NATIONAL STATE BANK · recorded Nov 30, 1993

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,001 (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.$262,300 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$169,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$92,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$262,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$262,300

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.41
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
4
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
65
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
92
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
47
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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
CountyMIDDLESEX
Lot (acres)The size of the land the home sits on, from county records.0.15
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
South River High SchoolD
High · Grades 9–12 · 0.7 mi
M
South River Middle SchoolC-
Middle · Grades 6–8 · 0.7 mi
E
South River Primary School
Elementary · Grades KG–2 · 0.8 mi

District: South River Borough School District

Neighborhood · ZIP 08882These 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.104
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.98
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.101

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.17%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.6%
PopulationHow many people live in this area.16,718
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.5,569 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$86,286
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$125,749
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

40 Garden St 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 69% of homes in Middlesex County
  • Costs more per square foot than 97% of homes in South River 08882
  • Smaller than 91% of homes in South River 08882
  • Older than 65% of homes in Middlesex County

What homes are worth in South River 08882

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

This home
$327K$932K

This home is worth more than 43% of homes in South River 08882.

How it measures up in South River 08882

The dot is this home. The mark in the middle is the typical home in South River 08882.

Estimated value$505,775
CheaperTypical $523,853Pricier

Pricier than 43% of homes nearby

Price per ft²$484
CheaperTypical $340Pricier

Pricier than 97% of homes nearby

Living area1,044 ft²
SmallerTypical 1,548 ft²Bigger

Bigger than 9% of homes nearby

Lot size0.15 ac
SmallerTypical 0.14 acBigger

Bigger than 58% of homes nearby

Year built1956
OlderTypical 1950Newer

Newer than 63% of homes nearby

How 40 Garden St ranks against every home in each area.
MeasureThis homeSouth River 08882Middlesex County
Estimated valuepricier than$505,77543% of homes31% of homes
Price per ft²pricier than$48497% of homes91% of homes
Living areabigger than1,044 ft²9% of homes12% of homes
Lot sizebigger than0.15 ac58% of homes50% of homes
Year builtnewer than195663% of homes35% of homes

About 40 Garden St

How much is 40 Garden St, South River, NJ worth?

The TopHap Estimate for 40 Garden St, South River, NJ is $505,775 as of Jul 14, 2026. The likely range is $480,209 to $531,341. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 40 Garden St, South River, NJ last sell?

40 Garden St, South River, NJ last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 40 Garden St, South River, NJ?

40 Garden St, South River, NJ has 1,044 square feet of living space and a 0.15-acre lot.

When was 40 Garden St, South River, NJ built?

40 Garden St, South River, NJ was built in 1956, making it 70 years old.

What schools serve 40 Garden St, South River, NJ?

40 Garden St, South River, NJ is assigned to South River High School (high), rated D; South River Middle School (middle), rated C-; South River Primary School (elementary). All sit in South River Borough School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 40 Garden St, South River, NJ compare to other homes in South River 08882?

Among the 4,333 homes in South River 08882, it is worth more than 43% of them ($505,775 against a typical $523,853), its price per square foot is higher than 97% of them ($484 against a typical $340), it is bigger than 9% of them (1,044 ft² against a typical 1,548 ft²), its lot is bigger than 58% of them (0.15 ac against a typical 0.14 ac) and it is newer than 63% of them (1956 against a typical 1950). Measured against all of Middlesex County, it is worth more than 31% 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 40 Garden St, South River, NJ?

The 2025 property tax bill for 40 Garden St, South River, NJ was $7,001. The county assessed it at $262,300.

More homes on Garden St

Closest homes

More homes in South River 08882

Assigned schools

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