Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$553,957$360 / 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 Jul 14, 2026

632 RICHARD ST

RARITAN, NJ 08869
0
Baths
1,537 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.
1970
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$554K
$524K low$584K 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.$213,269
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$170,615
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.61%
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.$301,688
LAKEVIEW LN SERVICING · recorded Oct 13, 2016
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.$39,000
WACHOVIA BANK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$9,245 (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.$303,900 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$165,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$138,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$303,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$303,900

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.54
62
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
10
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
65
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
94
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
43
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.27 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
CountySOMERSET
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)
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
John F. Kennedy Elementary SchoolB-
Elementary · Grades KG–4 · 0.6 mi
H
Bridgewater-Raritan Regional High SchoolB+
High · Grades 9–12 · 1.2 mi
M
Bridgewater-Raritan Regional Middle SchoolB+
Middle · Grades 7–8 · 2.9 mi

District: Bridgewater-Raritan Regional School District

Neighborhood · ZIP 08869These 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.113
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
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.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.7%
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.8,217
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,269 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$100,594
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$140,038
Average tempThe average temperature here across a full year.52°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

632 Richard 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 less than 66% of homes in Somerset County
  • Costs more per square foot than 68% of homes in Raritan 08869
  • Smaller than 67% of homes in Somerset County
  • Newer than 75% of homes in Raritan 08869

What homes are worth in Raritan 08869

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

This home
$361K$887K

This home is worth more than 58% of homes in Raritan 08869.

How it measures up in Raritan 08869

The dot is this home. The mark in the middle is the typical home in Raritan 08869.

Estimated value$553,957
CheaperTypical $537,856Pricier

Pricier than 58% of homes nearby

Price per ft²$360
CheaperTypical $326Pricier

Pricier than 68% of homes nearby

Living area1,537 ft²
SmallerTypical 1,644 ft²Bigger

Bigger than 43% of homes nearby

Lot size0.2 ac
SmallerTypical 0.18 acBigger

Bigger than 60% of homes nearby

Year built1970
OlderTypical 1956Newer

Newer than 75% of homes nearby

How 632 Richard St ranks against every home in each area.
MeasureThis homeRaritan 08869Somerset County
Estimated valuepricier than$553,95758% of homes34% of homes
Price per ft²pricier than$36068% of homes56% of homes
Living areabigger than1,537 ft²43% of homes33% of homes
Lot sizebigger than0.2 ac60% of homes44% of homes
Year builtnewer than197075% of homes40% of homes

About 632 Richard St

How much is 632 Richard St, Raritan, NJ worth?

The TopHap Estimate for 632 Richard St, Raritan, NJ is $553,957 as of Jul 14, 2026. The likely range is $523,809 to $584,105. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 632 Richard St, Raritan, NJ last sell?

632 Richard St, Raritan, NJ last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 632 Richard St, Raritan, NJ?

632 Richard St, Raritan, NJ has 1,537 square feet of living space and a 0.20-acre lot.

When was 632 Richard St, Raritan, NJ built?

632 Richard St, Raritan, NJ was built in 1970, making it 56 years old. The building has 2 stories.

What schools serve 632 Richard St, Raritan, NJ?

632 Richard St, Raritan, NJ is assigned to John F. Kennedy Elementary School (elementary), rated B-; Bridgewater-Raritan Regional High School (high), rated B+; Bridgewater-Raritan Regional Middle School (middle), rated B+. All sit in Bridgewater-Raritan Regional School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 632 Richard St, Raritan, NJ compare to other homes in Raritan 08869?

Among the 1,947 homes in Raritan 08869, it is worth more than 58% of them ($553,957 against a typical $537,856), its price per square foot is higher than 68% of them ($360 against a typical $326), it is bigger than 43% of them (1,537 ft² against a typical 1,644 ft²), its lot is bigger than 60% of them (0.2 ac against a typical 0.18 ac) and it is newer than 75% of them (1970 against a typical 1956). Measured against all of Somerset County, it is worth more than 34% 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 632 Richard St, Raritan, NJ?

The 2025 property tax bill for 632 Richard St, Raritan, NJ was $9,245. The county assessed it at $303,900.

Closest homes

More homes in Raritan 08869

Assigned schools

Explore the area

See this home in context

Open 632 Richard St 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