Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$440,400$297 / 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 91How 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 $35,700 on Feb 17, 1978

861 ROWE ST

LANOKA HARBOR, NJ 08734
3
Beds
1
Baths
1,484 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.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
1972
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$440K
$399K low$481K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$35,700 · Feb 17, 1978
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.$378,400
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$302,720
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.16%
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.$62,000
FIRST FINANCIAL FCU · R · recorded May 7, 2010

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,437 (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.$198,800 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$82,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$116,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$198,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$198,800

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.59
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
26
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
62
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
78
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.75 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.94%
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.1 percent flood zone

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.Ranch
CountyOCEAN
Lot (acres)The size of the land the home sits on, from county records.0.23
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.Baseboard
FireplaceWhether the home has a fireplace, and what kind.Yes
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

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Lanoka Harbor Elementary SchoolC-
Elementary · Grades KG–4 · 1.1 mi
H
Lacey Township High SchoolC-
High · Grades 9–12 · 1.7 mi
M
Lacey Township Middle SchoolC+
Middle · Grades 7–8 · 2.0 mi

District: Lacey Township School District

Neighborhood · ZIP 08734These 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.50
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.115
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.57

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.25%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.0.8%
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.6,984
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,053 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$119,385
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$135,059
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

861 Rowe 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 77% of homes in Lanoka Harbor 08734
  • Smaller than 67% of homes in Lanoka Harbor 08734
  • Has a bigger lot than 68% of homes in Ocean County
  • Older than 68% of homes in Lanoka Harbor 08734

What homes are worth in Lanoka Harbor 08734

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

This home
$335K$1.2M

This home is worth more than 23% of homes in Lanoka Harbor 08734.

How it measures up in Lanoka Harbor 08734

The dot is this home. The mark in the middle is the typical home in Lanoka Harbor 08734.

Estimated value$440,400
CheaperTypical $548,481Pricier

Pricier than 23% of homes nearby

Price per ft²$297
CheaperTypical $305Pricier

Pricier than 46% of homes nearby

Living area1,484 ft²
SmallerTypical 1,839 ft²Bigger

Bigger than 33% of homes nearby

Lot size0.23 ac
SmallerTypical 0.23 acBigger

Bigger than 43% of homes nearby

Year built1972
OlderTypical 1984Newer

Newer than 32% of homes nearby

How 861 Rowe St ranks against every home in each area.
MeasureThis homeLanoka Harbor 08734Ocean County
Estimated valuepricier than$440,40023% of homes32% of homes
Price per ft²pricier than$29746% of homes38% of homes
Living areabigger than1,484 ft²33% of homes43% of homes
Lot sizebigger than0.23 ac43% of homes68% of homes
Year builtnewer than197232% of homes35% of homes

About 861 Rowe St

How much is 861 Rowe St, Lanoka Harbor, NJ worth?

The TopHap Estimate for 861 Rowe St, Lanoka Harbor, NJ is $440,400 as of Jul 14, 2026. The likely range is $399,436 to $481,364. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 861 Rowe St, Lanoka Harbor, NJ last sell?

861 Rowe St, Lanoka Harbor, NJ last sold on Feb 17, 1978 for $35,700, according to the county's recorded deed.

How big is 861 Rowe St, Lanoka Harbor, NJ?

861 Rowe St, Lanoka Harbor, NJ has 3 bedrooms, 1 bathrooms, 1,484 square feet of living space and a 0.23-acre lot.

When was 861 Rowe St, Lanoka Harbor, NJ built?

861 Rowe St, Lanoka Harbor, NJ was built in 1972, making it 54 years old. It is a ranch home. The building has 1 story.

What schools serve 861 Rowe St, Lanoka Harbor, NJ?

861 Rowe St, Lanoka Harbor, NJ is assigned to Lanoka Harbor Elementary School (elementary), rated C-; Lacey Township High School (high), rated C-; Lacey Township Middle School (middle), rated C+. All sit in Lacey Township School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 861 Rowe St, Lanoka Harbor, NJ compare to other homes in Lanoka Harbor 08734?

Among the 2,864 homes in Lanoka Harbor 08734, it is worth more than 23% of them ($440,400 against a typical $548,481), its price per square foot is higher than 46% of them ($297 against a typical $305), it is bigger than 33% of them (1,484 ft² against a typical 1,839 ft²), its lot is bigger than 43% of them (0.23 ac against a typical 0.23 ac) and it is newer than 32% of them (1972 against a typical 1984). Measured against all of Ocean County, it is worth more than 32% 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 861 Rowe St, Lanoka Harbor, NJ?

The 2025 property tax bill for 861 Rowe St, Lanoka Harbor, NJ was $5,437. The county assessed it at $198,800.

Closest homes

More homes in Lanoka Harbor 08734

Assigned schools

Explore the area

See this home in context

Open 861 Rowe 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