Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$469,434$420 / 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 86How 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 $435,000 on Jul 1, 2025

45 RIDGE RD

OAK RIDGE, NJ 07438
0
Baths
1,118 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.
0.41 ac
Lot SizeThe size of the land the home sits on, from county records.
1961
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$469K
$406K low$533K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$435,000 · Jul 1, 2025
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.$53,434
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$42,747
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.89%
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.$416,000
CMG MORTGAGE INC · recorded Mar 5, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,887 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$229,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$117,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$111,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$229,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$229,400

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

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
CountyMORRIS
Lot (acres)The size of the land the home sits on, from county records.0.41
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
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.

E
Cozy Lake Elementary School
Elementary · Grades 1–2 · 1.1 mi
H
Jefferson Township High SchoolC-
High · Grades 9–12 · 2.5 mi
M
Jefferson Township Middle SchoolB+
Middle · Grades 6–8 · 2.6 mi

District: Jefferson Township School District

Neighborhood · ZIP 07438These 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.92
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 100.96

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.32%
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.1.2%
PopulationHow many people live in this area.10,737
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.348 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$132,132
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$140,254
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.52 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

45 Ridge 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 87% of homes in Morris County
  • Costs more per square foot than 89% of homes in Oak Ridge 07438
  • Smaller than 90% of homes in Morris County
  • Older than 66% of homes in Oak Ridge 07438

What homes are worth in Oak Ridge 07438

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

This home
$290K$857K

This home is worth more than 29% of homes in Oak Ridge 07438.

How it measures up in Oak Ridge 07438

The dot is this home. The mark in the middle is the typical home in Oak Ridge 07438.

Estimated value$469,434
CheaperTypical $537,658Pricier

Pricier than 29% of homes nearby

Price per ft²$420
CheaperTypical $301Pricier

Pricier than 89% of homes nearby

Living area1,118 ft²
SmallerTypical 1,823 ft²Bigger

Bigger than 14% of homes nearby

Lot size0.41 ac
SmallerTypical 0.48 acBigger

Bigger than 44% of homes nearby

Year built1961
OlderTypical 1970Newer

Newer than 34% of homes nearby

How 45 Ridge Rd ranks against every home in each area.
MeasureThis homeOak Ridge 07438Morris County
Estimated valuepricier than$469,43429% of homes13% of homes
Price per ft²pricier than$42089% of homes72% of homes
Living areabigger than1,118 ft²14% of homes10% of homes
Lot sizebigger than0.41 ac44% of homes58% of homes
Year builtnewer than196134% of homes42% of homes

About 45 Ridge Rd

How much is 45 Ridge Rd, Oak Ridge, NJ worth?

The TopHap Estimate for 45 Ridge Rd, Oak Ridge, NJ is $469,434 as of Jul 14, 2026. The likely range is $405,885 to $532,983. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 45 Ridge Rd, Oak Ridge, NJ last sell?

45 Ridge Rd, Oak Ridge, NJ last sold on Jul 1, 2025 for $435,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 45 Ridge Rd, Oak Ridge, NJ?

45 Ridge Rd, Oak Ridge, NJ has 1,118 square feet of living space and a 0.41-acre lot.

When was 45 Ridge Rd, Oak Ridge, NJ built?

45 Ridge Rd, Oak Ridge, NJ was built in 1961, making it 65 years old. The building has 1 story.

What schools serve 45 Ridge Rd, Oak Ridge, NJ?

45 Ridge Rd, Oak Ridge, NJ is assigned to Cozy Lake Elementary School (elementary); Jefferson Township High School (high), rated C-; Jefferson Township Middle School (middle), rated B+. All sit in Jefferson Township School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 45 Ridge Rd, Oak Ridge, NJ compare to other homes in Oak Ridge 07438?

Among the 3,831 homes in Oak Ridge 07438, it is worth more than 29% of them ($469,434 against a typical $537,658), its price per square foot is higher than 89% of them ($420 against a typical $301), it is bigger than 14% of them (1,118 ft² against a typical 1,823 ft²), its lot is bigger than 44% of them (0.41 ac against a typical 0.48 ac) and it is newer than 34% of them (1961 against a typical 1970). Measured against all of Morris County, it is worth more than 13% 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 45 Ridge Rd, Oak Ridge, NJ?

The 2024 property tax bill for 45 Ridge Rd, Oak Ridge, NJ was $6,887. The county assessed it at $229,400.

More homes on Ridge Rd

Closest homes

More homes in Oak Ridge 07438

Assigned schools

Explore the area

See this home in context

Open 45 Ridge Rd on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map