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Single Family ResidenceResidential
$703,857$286 / 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
Last sold for $428,000 on Feb 29, 2008

495 SMITH CT

CLIFFWOOD, NJ 07721
4
Beds
2.5
Baths
2,459 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.
2005
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$704K
$650K low$757K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$428,000 · Feb 29, 2008

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$12,664 (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.$659,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$304,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$355,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$639,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$659,400

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.14
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
26
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. 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
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountyMONMOUTH
Lot (acres)The size of the land the home sits on, from county records.0.22
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.Spa/Hot Tub (Only)

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
Cliffwood Elementary SchoolC
Elementary · Grades PK–3 · 0.1 mi
M
Matawan-Aberdeen Middle SchoolB+
Middle · Grades 6–8 · 0.2 mi
H
Matawan Regional High SchoolD
High · Grades 9–12 · 1.9 mi

District: Matawan-Aberdeen Regional School District

Neighborhood · ZIP 07721These 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.89
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.104
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.100

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.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.30%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.2%
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.4,286
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.4,514 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$92,727
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$115,900
Average tempThe average temperature here across a full year.54°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

495 Smith Ct 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 93% of homes in Cliffwood 07721
  • Costs less per square foot than 92% of homes in Monmouth County
  • Bigger than 95% of homes in Cliffwood 07721
  • Newer than 90% of homes in Monmouth County

What homes are worth in Cliffwood 07721

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

This home
$320K$777K

This home is worth more than 93% of homes in Cliffwood 07721.

How it measures up in Cliffwood 07721

The dot is this home. The mark in the middle is the typical home in Cliffwood 07721.

Estimated value$703,857
CheaperTypical $550,186Pricier

Pricier than 93% of homes nearby

Price per ft²$286
CheaperTypical $334Pricier

Pricier than 16% of homes nearby

Living area2,459 ft²
SmallerTypical 1,690 ft²Bigger

Bigger than 95% of homes nearby

Lot size0.22 ac
SmallerTypical 0.19 acBigger

Bigger than 55% of homes nearby

Year built2005
OlderTypical 1995Newer

Newer than 70% of homes nearby

How 495 Smith Ct ranks against every home in each area.
MeasureThis homeCliffwood 07721Monmouth County
Estimated valuepricier than$703,85793% of homes43% of homes
Price per ft²pricier than$28616% of homes8% of homes
Living areabigger than2,459 ft²95% of homes72% of homes
Lot sizebigger than0.22 ac55% of homes47% of homes
Year builtnewer than200570% of homes90% of homes

About 495 Smith Ct

How much is 495 Smith Ct, Cliffwood, NJ worth?

The TopHap Estimate for 495 Smith Ct, Cliffwood, NJ is $703,857 as of Jul 14, 2026. The likely range is $650,497 to $757,217. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 495 Smith Ct, Cliffwood, NJ last sell?

495 Smith Ct, Cliffwood, NJ last sold on Feb 29, 2008 for $428,000, according to the county's recorded deed.

How big is 495 Smith Ct, Cliffwood, NJ?

495 Smith Ct, Cliffwood, NJ has 4 bedrooms, 2.5 bathrooms, 2,459 square feet of living space and a 0.22-acre lot.

When was 495 Smith Ct, Cliffwood, NJ built?

495 Smith Ct, Cliffwood, NJ was built in 2005, making it 21 years old. It is a colonial home. The building has 2 stories.

What schools serve 495 Smith Ct, Cliffwood, NJ?

495 Smith Ct, Cliffwood, NJ is assigned to Cliffwood Elementary School (elementary), rated C; Matawan-Aberdeen Middle School (middle), rated B+; Matawan Regional High School (high), rated D. All sit in Matawan-Aberdeen Regional School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 495 Smith Ct, Cliffwood, NJ compare to other homes in Cliffwood 07721?

Among the 1,046 homes in Cliffwood 07721, it is worth more than 93% of them ($703,857 against a typical $550,186), its price per square foot is higher than 16% of them ($286 against a typical $334), it is bigger than 95% of them (2,459 ft² against a typical 1,690 ft²), its lot is bigger than 55% of them (0.22 ac against a typical 0.19 ac) and it is newer than 70% of them (2005 against a typical 1995). Measured against all of Monmouth County, it is worth more than 43% 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 495 Smith Ct, Cliffwood, NJ?

The 2025 property tax bill for 495 Smith Ct, Cliffwood, NJ was $12,664. The county assessed it at $659,400.

More homes on Smith Ct

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Assigned schools

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