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Single Family ResidenceResidential
$435,991$367 / 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 92How 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

478 COLBY ST

TOMS RIVER, NJ 08757
3
Beds
1
Baths
1,188 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.
0.22 ac
Lot SizeThe size of the land the home sits on, from county records.
1962
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$436K
$403K 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.$250,051
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$200,041
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.45%
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.$185,940
FINANCIAL FREEDOM MORTGAGE · recorded Jun 30, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,572 (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.$186,700 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$66,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$120,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$186,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$186,700

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.0.22
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.Yes

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
South Toms River Elementary SchoolC+
Elementary · Grades KG–5 · 0.4 mi
M
Toms River Intermediate School SouthC-
Middle · Grades 6–8 · 1.7 mi
H
Toms River High School SouthD+
High · Grades 9–12 · 2.1 mi

District: Toms River Regional School District

Neighborhood · ZIP 08757These 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.106
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.105
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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.33,060
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,734 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$59,299
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$85,243
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

478 Colby 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 more than 80% of homes in Toms River 08757
  • Costs more per square foot than 90% of homes in Toms River 08757
  • Smaller than 77% of homes in Ocean County
  • Has a bigger lot than 81% of homes in Toms River 08757
  • Older than 92% of homes in Toms River 08757

What homes are worth in Toms River 08757

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

This home
$232K$847K

This home is worth more than 80% of homes in Toms River 08757.

How it measures up in Toms River 08757

The dot is this home. The mark in the middle is the typical home in Toms River 08757.

Estimated value$435,991
CheaperTypical $340,202Pricier

Pricier than 80% of homes nearby

Price per ft²$367
CheaperTypical $257Pricier

Pricier than 90% of homes nearby

Living area1,188 ft²
SmallerTypical 1,318 ft²Bigger

Bigger than 30% of homes nearby

Lot size0.22 ac
SmallerTypical 0.14 acBigger

Bigger than 81% of homes nearby

Year built1962
OlderTypical 1981Newer

Newer than 8% of homes nearby

How 478 Colby St ranks against every home in each area.
MeasureThis homeToms River 08757Ocean County
Estimated valuepricier than$435,99180% of homes31% of homes
Price per ft²pricier than$36790% of homes62% of homes
Living areabigger than1,188 ft²30% of homes23% of homes
Lot sizebigger than0.22 ac81% of homes67% of homes
Year builtnewer than19628% of homes20% of homes

About 478 Colby St

How much is 478 Colby St, Toms River, NJ worth?

The TopHap Estimate for 478 Colby St, Toms River, NJ is $435,991 as of Jul 14, 2026. The likely range is $403,016 to $468,966. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 478 Colby St, Toms River, NJ last sell?

478 Colby St, Toms River, NJ last sold on Jun 30, 2017, according to the county's recorded deed.

How big is 478 Colby St, Toms River, NJ?

478 Colby St, Toms River, NJ has 3 bedrooms, 1 bathrooms, 1,188 square feet of living space and a 0.22-acre lot.

When was 478 Colby St, Toms River, NJ built?

478 Colby St, Toms River, NJ was built in 1962, making it 64 years old. It is a ranch home. The building has 1 story.

What schools serve 478 Colby St, Toms River, NJ?

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

How does 478 Colby St, Toms River, NJ compare to other homes in Toms River 08757?

Among the 18,467 homes in Toms River 08757, it is worth more than 80% of them ($435,991 against a typical $340,202), its price per square foot is higher than 90% of them ($367 against a typical $257), it is bigger than 30% of them (1,188 ft² against a typical 1,318 ft²), its lot is bigger than 81% of them (0.22 ac against a typical 0.14 ac) and it is newer than 8% of them (1962 against a typical 1981). Measured against all of Ocean 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 478 Colby St, Toms River, NJ?

The 2025 property tax bill for 478 Colby St, Toms River, NJ was $6,572. The county assessed it at $186,700.

Closest homes

More homes in Toms River 08757

Assigned schools

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