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Single Family ResidenceResidential
$679,646$265 / 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 68How 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

649 ELWOOD ST

FORKED RIVER, NJ 08731
4
Beds
3
Baths
2,566 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.
0.28 ac
Lot SizeThe size of the land the home sits on, from county records.
2002
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$680K
$460K low$900K 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.$221,439
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$177,151
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.64%
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.$283,305
FLAGSTAR BANK FSB · recorded Oct 25, 2011
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.$174,902
PLANET HM LNDG

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$9,950 (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.$363,800 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$80,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$283,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$363,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$363,800

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.39
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
23
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
63
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
79
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
31
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
CountyOCEAN
Lot (acres)The size of the land the home sits on, from county records.0.28
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.Yes

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.

M
Lacey Township Middle SchoolC+
Middle · Grades 7–8 · 0.4 mi
H
Lacey Township High SchoolC-
High · Grades 9–12 · 0.7 mi
E
Cedar Creek Elementary SchoolB-
Elementary · Grades KG–4 · 1.0 mi

District: Lacey Township School District

Neighborhood · ZIP 08731These 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.77
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.116
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.58

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.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.22%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.4%
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.21,752
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.346 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$96,768
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$121,606
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.47 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

649 Elwood 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 Forked River 08731
  • Costs less per square foot than 80% of homes in Forked River 08731
  • Bigger than 87% of homes in Forked River 08731
  • Has a bigger lot than 80% of homes in Forked River 08731
  • Newer than 84% of homes in Forked River 08731

What homes are worth in Forked River 08731

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

This home
$286K$1.2M

This home is worth more than 80% of homes in Forked River 08731.

How it measures up in Forked River 08731

The dot is this home. The mark in the middle is the typical home in Forked River 08731.

Estimated value$679,646
CheaperTypical $487,584Pricier

Pricier than 80% of homes nearby

Price per ft²$265
CheaperTypical $319Pricier

Pricier than 20% of homes nearby

Living area2,566 ft²
SmallerTypical 1,540 ft²Bigger

Bigger than 87% of homes nearby

Lot size0.28 ac
SmallerTypical 0.18 acBigger

Bigger than 80% of homes nearby

Year built2002
OlderTypical 1980Newer

Newer than 84% of homes nearby

How 649 Elwood St ranks against every home in each area.
MeasureThis homeForked River 08731Ocean County
Estimated valuepricier than$679,64680% of homes65% of homes
Price per ft²pricier than$26520% of homes25% of homes
Living areabigger than2,566 ft²87% of homes86% of homes
Lot sizebigger than0.28 ac80% of homes78% of homes
Year builtnewer than200284% of homes81% of homes

About 649 Elwood St

How much is 649 Elwood St, Forked River, NJ worth?

The TopHap Estimate for 649 Elwood St, Forked River, NJ is $679,646 as of Jul 14, 2026. The likely range is $459,673 to $899,619. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 649 Elwood St, Forked River, NJ last sell?

649 Elwood St, Forked River, NJ last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 649 Elwood St, Forked River, NJ?

649 Elwood St, Forked River, NJ has 4 bedrooms, 3 bathrooms, 2,566 square feet of living space and a 0.28-acre lot.

When was 649 Elwood St, Forked River, NJ built?

649 Elwood St, Forked River, NJ was built in 2002, making it 24 years old. It is a colonial home. The building has 2 stories.

What schools serve 649 Elwood St, Forked River, NJ?

649 Elwood St, Forked River, NJ is assigned to Lacey Township Middle School (middle), rated C+; Lacey Township High School (high), rated C-; Cedar Creek Elementary School (elementary), rated B-. All sit in Lacey Township School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 649 Elwood St, Forked River, NJ compare to other homes in Forked River 08731?

Among the 9,396 homes in Forked River 08731, it is worth more than 80% of them ($679,646 against a typical $487,584), its price per square foot is higher than 20% of them ($265 against a typical $319), it is bigger than 87% of them (2,566 ft² against a typical 1,540 ft²), its lot is bigger than 80% of them (0.28 ac against a typical 0.18 ac) and it is newer than 84% of them (2002 against a typical 1980). Measured against all of Ocean County, it is worth more than 65% 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 649 Elwood St, Forked River, NJ?

The 2025 property tax bill for 649 Elwood St, Forked River, NJ was $9,950. The county assessed it at $363,800.

Closest homes

More homes in Forked River 08731

Assigned schools

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