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Single Family ResidenceResidential
$451,006$294 / 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 96How 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

401 TERRACE AVE

TOMS RIVER, NJ 08753
5
Beds
2
Baths
1,536 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.
0.19 ac
Lot SizeThe size of the land the home sits on, from county records.
1954
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$451K
$433K low$469K 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.$112,519
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$90,015
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.73%
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.$338,487
STERLING HOME MORTGAGE CO INC · R · recorded May 21, 2009

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,665 (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.$289,900 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$79,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$210,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$289,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$289,900

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.7 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
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountyOCEAN
Lot (acres)The size of the land the home sits on, from county records.0.19
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.Baseboard
PoolWhether the property has a pool, and what kind, such as in-ground.No

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 SouthD+
High · Grades 9–12 · 0.6 mi
E
Washington Street Elementary SchoolB
Elementary · Grades KG–5 · 0.8 mi
M
Toms River Intermediate School SouthC-
Middle · Grades 6–8 · 3.3 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

401 Terrace 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 68% of homes in Toms River 08753
  • Costs less per square foot than 65% of homes in Toms River 08753
  • Older than 89% 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
$236K$1.4M

This home is worth more than 32% 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$451,006
CheaperTypical $528,961Pricier

Pricier than 32% of homes nearby

Price per ft²$294
CheaperTypical $318Pricier

Pricier than 35% of homes nearby

Living area1,536 ft²
SmallerTypical 1,658 ft²Bigger

Bigger than 43% of homes nearby

Lot size0.19 ac
SmallerTypical 0.21 acBigger

Bigger than 44% of homes nearby

Year built1954
OlderTypical 1972Newer

Newer than 13% of homes nearby

How 401 Terrace Ave ranks against every home in each area.
MeasureThis homeToms River 08753Ocean County
Estimated valuepricier than$451,00632% of homes34% of homes
Price per ft²pricier than$29435% of homes37% of homes
Living areabigger than1,536 ft²43% of homes46% of homes
Lot sizebigger than0.19 ac44% of homes58% of homes
Year builtnewer than195413% of homes11% of homes

About 401 Terrace Ave

How much is 401 Terrace Ave, Toms River, NJ worth?

The TopHap Estimate for 401 Terrace Ave, Toms River, NJ is $451,006 as of Jul 14, 2026. The likely range is $433,196 to $468,816. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 401 Terrace Ave, Toms River, NJ last sell?

401 Terrace Ave, Toms River, NJ last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 401 Terrace Ave, Toms River, NJ?

401 Terrace Ave, Toms River, NJ has 5 bedrooms, 2 bathrooms, 1,536 square feet of living space and a 0.19-acre lot.

When was 401 Terrace Ave, Toms River, NJ built?

401 Terrace Ave, Toms River, NJ was built in 1954, making it 72 years old. It is a colonial home. The building has 2 stories.

What schools serve 401 Terrace Ave, Toms River, NJ?

401 Terrace Ave, Toms River, NJ is assigned to Toms River High School South (high), rated D+; Washington Street Elementary School (elementary), rated B; Toms River Intermediate School South (middle), rated C-. All sit in Toms River Regional School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 401 Terrace Ave, 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 32% of them ($451,006 against a typical $528,961), its price per square foot is higher than 35% of them ($294 against a typical $318), it is bigger than 43% of them (1,536 ft² against a typical 1,658 ft²), its lot is bigger than 44% of them (0.19 ac against a typical 0.21 ac) and it is newer than 13% of them (1954 against a typical 1972). Measured against all of Ocean County, it is worth more than 34% 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 401 Terrace Ave, Toms River, NJ?

The 2025 property tax bill for 401 Terrace Ave, Toms River, NJ was $5,665. The county assessed it at $289,900.

Closest homes

More homes in Toms River 08753

Assigned schools

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