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Single Family ResidenceResidential
$389,335$330 / 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 Sep 24, 2026
Last sold for $125,000 on Sep 4, 2001

438 HARDING AVE

BAYVILLE, NJ 08721
3
Beds
1
Baths
1,180 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.
0.29 ac
Lot SizeThe size of the land the home sits on, from county records.
1985
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$389K
$370K low$409K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$125,000 · Sep 4, 2001

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,747 (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.$183,300 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$96,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$87,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$183,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$183,300

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.49
45
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
31
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
62
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
79
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
31
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.10 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.Ranch
CountyOCEAN
Lot (acres)The size of the land the home sits on, from county records.0.29
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
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck

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.

E
Clara B. Worth Elementary SchoolC-
Elementary · Grades PK–4 · 1.0 mi
H
Central Regional High SchoolD
High · Grades 9–12 · 1.1 mi
M
Central Regional Middle SchoolC
Middle · Grades 7–8 · 1.5 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%

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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

438 Harding 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 85% of homes in Bayville 08721
  • Smaller than 82% of homes in Bayville 08721
  • Has a bigger lot than 80% 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
$293K$1.1M

This home is worth more than 15% 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$389,335
CheaperTypical $516,528Pricier

Pricier than 15% of homes nearby

Price per ft²$330
CheaperTypical $312Pricier

Pricier than 60% of homes nearby

Living area1,180 ft²
SmallerTypical 1,662 ft²Bigger

Bigger than 18% of homes nearby

Lot size0.29 ac
SmallerTypical 0.26 acBigger

Bigger than 60% of homes nearby

Year built1985
OlderTypical 1985Newer

Newer than 52% of homes nearby

How 438 Harding Ave ranks against every home in each area.
MeasureThis homeBayville 08721Ocean County
Estimated valuepricier than$389,33515% of homes23% of homes
Price per ft²pricier than$33060% of homes50% of homes
Living areabigger than1,180 ft²18% of homes23% of homes
Lot sizebigger than0.29 ac60% of homes80% of homes
Year builtnewer than198552% of homes56% of homes

About 438 Harding Ave

How much is 438 Harding Ave, Bayville, NJ worth?

The TopHap Estimate for 438 Harding Ave, Bayville, NJ is $389,335 as of Sep 24, 2026. The likely range is $369,527 to $409,143. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 438 Harding Ave, Bayville, NJ last sell?

438 Harding Ave, Bayville, NJ last sold on Sep 4, 2001 for $125,000, according to the county's recorded deed.

How big is 438 Harding Ave, Bayville, NJ?

438 Harding Ave, Bayville, NJ has 3 bedrooms, 1 bathrooms, 1,180 square feet of living space and a 0.29-acre lot.

When was 438 Harding Ave, Bayville, NJ built?

438 Harding Ave, Bayville, NJ was built in 1985, making it 41 years old. It is a ranch home. The building has 1 story.

What schools serve 438 Harding Ave, Bayville, NJ?

438 Harding Ave, Bayville, NJ is assigned to Clara B. Worth Elementary 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 438 Harding Ave, Bayville, NJ compare to other homes in Bayville 08721?

Among the 8,118 homes in Bayville 08721, it is worth more than 15% of them ($389,335 against a typical $516,528), its price per square foot is higher than 60% of them ($330 against a typical $312), it is bigger than 18% of them (1,180 ft² against a typical 1,662 ft²), its lot is bigger than 60% of them (0.29 ac against a typical 0.26 ac) and it is newer than 52% of them (1985 against a typical 1985). Measured against all of Ocean County, it is worth more than 23% 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 438 Harding Ave, Bayville, NJ?

The 2025 property tax bill for 438 Harding Ave, Bayville, NJ was $4,747. The county assessed it at $183,300.

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