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Single Family ResidenceResidential
$1,123,749$497 / 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 89How 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

81 RIDGE DR

NEW PROVIDENCE, NJ 07974
0
Baths
2,263 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.
0.36 ac
Lot SizeThe size of the land the home sits on, from county records.
1959
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

$1.1M
$1M low$1.2M 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.$3,249
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$2,599
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.95%
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.$452,500
FIFTH THIRD MORTGAGE CO · recorded Feb 13, 2013
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.$537,000
LOANDEPOT.COM LLC
3rd 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.$131,000

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$16,790 (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.$320,300 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$141,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$179,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$320,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$320,300

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.14 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
CountyUNION
Lot (acres)The size of the land the home sits on, from county records.0.36
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(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.

H
New Providence High SchoolB+
High · Grades 9–12 · 0.5 mi
M
New Providence Middle SchoolB
Middle · Grades 7–8 · 0.5 mi
E
Allen W. Roberts SchoolA+
Elementary · Grades PK–6 · 0.8 mi

District: New Providence Borough School District

Neighborhood · ZIP 07974These 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.15
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 100.107

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.36%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.2.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.6%
PopulationHow many people live in this area.13,628
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,456 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$158,836
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$202,920
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

81 Ridge Dr 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 87% of homes in Union County
  • Costs more per square foot than 76% of homes in Union County
  • Bigger than 70% of homes in Union County
  • Has a bigger lot than 88% of homes in Union County
  • Newer than 72% of homes in Union County

What homes are worth in New Providence 07974

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

This home
$573K$1.7M

This home is worth more than 69% of homes in New Providence 07974.

How it measures up in New Providence 07974

The dot is this home. The mark in the middle is the typical home in New Providence 07974.

Estimated value$1,123,749
CheaperTypical $993,550Pricier

Pricier than 69% of homes nearby

Price per ft²$497
CheaperTypical $482Pricier

Pricier than 60% of homes nearby

Living area2,263 ft²
SmallerTypical 2,096 ft²Bigger

Bigger than 60% of homes nearby

Lot size0.36 ac
SmallerTypical 0.31 acBigger

Bigger than 66% of homes nearby

Year built1959
OlderTypical 1959Newer

Newer than 51% of homes nearby

How 81 Ridge Dr ranks against every home in each area.
MeasureThis homeNew Providence 07974Union County
Estimated valuepricier than$1,123,74969% of homes87% of homes
Price per ft²pricier than$49760% of homes76% of homes
Living areabigger than2,263 ft²60% of homes70% of homes
Lot sizebigger than0.36 ac66% of homes88% of homes
Year builtnewer than195951% of homes72% of homes

About 81 Ridge Dr

How much is 81 Ridge Dr, New Providence, NJ worth?

The TopHap Estimate for 81 Ridge Dr, New Providence, NJ is $1,123,749 as of Jul 14, 2026. The likely range is $1,004,928 to $1,242,570. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 81 Ridge Dr, New Providence, NJ last sell?

81 Ridge Dr, New Providence, NJ last sold on Apr 11, 1993, according to the county's recorded deed.

How big is 81 Ridge Dr, New Providence, NJ?

81 Ridge Dr, New Providence, NJ has 2,263 square feet of living space and a 0.36-acre lot.

When was 81 Ridge Dr, New Providence, NJ built?

81 Ridge Dr, New Providence, NJ was built in 1959, making it 67 years old. The building has 1 story.

What schools serve 81 Ridge Dr, New Providence, NJ?

81 Ridge Dr, New Providence, NJ is assigned to New Providence High School (high), rated B+; New Providence Middle School (middle), rated B; Allen W. Roberts School (elementary), rated A+. All sit in New Providence Borough School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 81 Ridge Dr, New Providence, NJ compare to other homes in New Providence 07974?

Among the 3,846 homes in New Providence 07974, it is worth more than 69% of them ($1,123,749 against a typical $993,550), its price per square foot is higher than 60% of them ($497 against a typical $482), it is bigger than 60% of them (2,263 ft² against a typical 2,096 ft²), its lot is bigger than 66% of them (0.36 ac against a typical 0.31 ac) and it is newer than 51% of them (1959 against a typical 1959). Measured against all of Union County, it is worth more than 87% 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 81 Ridge Dr, New Providence, NJ?

The 2025 property tax bill for 81 Ridge Dr, New Providence, NJ was $16,790. The county assessed it at $320,300.

Closest homes

More homes in New Providence 07974

Assigned schools

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