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Single Family ResidenceResidential
$868,368$574 / 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 94How 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 $490,000 on Sep 24, 2020

685 RIVER RD

CHATHAM, NJ 07928
0
Baths
1,512 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.
0.5 ac
Lot SizeThe size of the land the home sits on, from county records.
1953
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$868K
$814K low$923K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$490,000 · Sep 24, 2020
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.$476,368
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$381,094
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.$392,000
WELLS FARGO BANK NA · recorded Sep 24, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,234 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$414,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$303,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$110,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$414,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$414,000

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.37 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

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
CountyMORRIS
Lot (acres)The size of the land the home sits on, from county records.0.50
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(4)

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
Southern Boulevard SchoolA+
Elementary · Grades PK–3 · 2.1 mi
H
Chatham High SchoolB+
High · Grades 9–12 · 2.5 mi
M
Chatham Middle SchoolB+
Middle · Grades 6–8 · 3.6 mi

District: The Chathams School District

Neighborhood · ZIP 07928These 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.57
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.100
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.112

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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.42%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.2.1%
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.19,451
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,233 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$208,392
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$282,042
Average tempThe average temperature here across a full year.51°F
Annual precipHow much rain and melted snow falls here in a typical year.51 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

685 River Rd 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 83% of homes in Chatham 07928
  • Costs more per square foot than 94% of homes in Morris County
  • Smaller than 77% of homes in Chatham 07928
  • Has a bigger lot than 75% of homes in Chatham 07928
  • Older than 72% of homes in Morris County

What homes are worth in Chatham 07928

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

This home
$434K$3.5M

This home is worth more than 17% of homes in Chatham 07928.

How it measures up in Chatham 07928

The dot is this home. The mark in the middle is the typical home in Chatham 07928.

Estimated value$868,368
CheaperTypical $1,445,981Pricier

Pricier than 17% of homes nearby

Price per ft²$574
CheaperTypical $637Pricier

Pricier than 33% of homes nearby

Living area1,512 ft²
SmallerTypical 2,227 ft²Bigger

Bigger than 23% of homes nearby

Lot size0.5 ac
SmallerTypical 0.33 acBigger

Bigger than 75% of homes nearby

Year built1953
OlderTypical 1959Newer

Newer than 42% of homes nearby

How 685 River Rd ranks against every home in each area.
MeasureThis homeChatham 07928Morris County
Estimated valuepricier than$868,36817% of homes68% of homes
Price per ft²pricier than$57433% of homes94% of homes
Living areabigger than1,512 ft²23% of homes27% of homes
Lot sizebigger than0.5 ac75% of homes67% of homes
Year builtnewer than195342% of homes28% of homes

About 685 River Rd

How much is 685 River Rd, Chatham, NJ worth?

The TopHap Estimate for 685 River Rd, Chatham, NJ is $868,368 as of Jul 14, 2026. The likely range is $813,910 to $922,826. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 685 River Rd, Chatham, NJ last sell?

685 River Rd, Chatham, NJ last sold on Sep 24, 2020 for $490,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 685 River Rd, Chatham, NJ?

685 River Rd, Chatham, NJ has 1,512 square feet of living space and a 0.50-acre lot.

When was 685 River Rd, Chatham, NJ built?

685 River Rd, Chatham, NJ was built in 1953, making it 73 years old. The building has 1 story.

What schools serve 685 River Rd, Chatham, NJ?

685 River Rd, Chatham, NJ is assigned to Southern Boulevard School (elementary), rated A+; Chatham High School (high), rated B+; Chatham Middle School (middle), rated B+. All sit in The Chathams School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 685 River Rd, Chatham, NJ compare to other homes in Chatham 07928?

Among the 6,434 homes in Chatham 07928, it is worth more than 17% of them ($868,368 against a typical $1,445,981), its price per square foot is higher than 33% of them ($574 against a typical $637), it is bigger than 23% of them (1,512 ft² against a typical 2,227 ft²), its lot is bigger than 75% of them (0.5 ac against a typical 0.33 ac) and it is newer than 42% of them (1953 against a typical 1959). Measured against all of Morris County, it is worth more than 68% 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 685 River Rd, Chatham, NJ?

The 2024 property tax bill for 685 River Rd, Chatham, NJ was $8,234. The county assessed it at $414,000.

Closest homes

More homes in Chatham 07928

Assigned schools

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