Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$348,721$303 / 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 $250,000 on Oct 5, 2021

540 GILFORD AVE

TOMS RIVER, NJ 08753
2
Beds
2
Baths
1,149 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.
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
1948
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$349K
$322K low$375K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$250,000 · Oct 5, 2021
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.$66,721
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$53,377
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.79%
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.$200,000
LOANDEPOT.COM LLC · recorded Oct 5, 2021
2nd 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.$82,000
FULTON BANK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,355 (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.$222,900 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$80,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$142,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$222,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$222,900

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.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.Bungalow
CountyOCEAN
Lot (acres)The size of the land the home sits on, from county records.0.20
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.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(10)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(7)

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 EastC
High · Grades 9–12 · 0.7 mi
E
East Dover Elementary SchoolC-
Elementary · Grades KG–5 · 0.7 mi
M
Toms River Intermediate School EastB
Middle · Grades 6–8 · 3.1 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

540 Gilford 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 86% of homes in Toms River 08753
  • Smaller than 79% of homes in Ocean County
  • Older than 94% 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
$241K$1.4M

This home is worth more than 14% 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$348,721
CheaperTypical $529,584Pricier

Pricier than 14% of homes nearby

Price per ft²$303
CheaperTypical $317Pricier

Pricier than 41% of homes nearby

Living area1,149 ft²
SmallerTypical 1,661 ft²Bigger

Bigger than 22% of homes nearby

Lot size0.2 ac
SmallerTypical 0.21 acBigger

Bigger than 46% of homes nearby

Year built1948
OlderTypical 1972Newer

Newer than 7% of homes nearby

How 540 Gilford Ave ranks against every home in each area.
MeasureThis homeToms River 08753Ocean County
Estimated valuepricier than$348,72114% of homes17% of homes
Price per ft²pricier than$30341% of homes41% of homes
Living areabigger than1,149 ft²22% of homes21% of homes
Lot sizebigger than0.2 ac46% of homes60% of homes
Year builtnewer than19487% of homes6% of homes

About 540 Gilford Ave

How much is 540 Gilford Ave, Toms River, NJ worth?

The TopHap Estimate for 540 Gilford Ave, Toms River, NJ is $348,721 as of Jul 14, 2026. The likely range is $321,974 to $375,468. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 540 Gilford Ave, Toms River, NJ last sell?

540 Gilford Ave, Toms River, NJ last sold on Oct 5, 2021 for $250,000, according to the county's recorded deed. TopHap holds 5 recorded sales for this parcel.

How big is 540 Gilford Ave, Toms River, NJ?

540 Gilford Ave, Toms River, NJ has 2 bedrooms, 2 bathrooms, 1,149 square feet of living space and a 0.20-acre lot.

When was 540 Gilford Ave, Toms River, NJ built?

540 Gilford Ave, Toms River, NJ was built in 1948, making it 78 years old. It is a bungalow home. The building has 1 story.

What schools serve 540 Gilford Ave, Toms River, NJ?

540 Gilford Ave, Toms River, NJ is assigned to Toms River High School East (high), rated C; East Dover Elementary School (elementary), rated C-; Toms River Intermediate School East (middle), rated B. All sit in Toms River Regional School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 540 Gilford 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 14% of them ($348,721 against a typical $529,584), its price per square foot is higher than 41% of them ($303 against a typical $317), it is bigger than 22% of them (1,149 ft² against a typical 1,661 ft²), its lot is bigger than 46% of them (0.2 ac against a typical 0.21 ac) and it is newer than 7% of them (1948 against a typical 1972). Measured against all of Ocean County, it is worth more than 17% 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 540 Gilford Ave, Toms River, NJ?

The 2025 property tax bill for 540 Gilford Ave, Toms River, NJ was $4,355. The county assessed it at $222,900.

Closest homes

More homes in Toms River 08753

Assigned schools

Explore the area

See this home in context

Open 540 Gilford Ave 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