The Fair Share Report
107 Harbor Rd
Upper, NJ 08223
The town corrects for market drift once a year — but only on average. This report measures whether this house drifted with the herd or away from it.
This home's full record →Check another house →
Step 1 · Market value
Likely range $377,258 – $512,536, from 12 comparable Upper sales in the past 18 months (home size estimated from assessor data — range widened).
Step 2 · The Director's Ratio
The state's official measure of how far Upper assessments sit below market value — republished every October, applied town-wide. A $435,590 home should be assessed near $246,762.
Step 3 · Assessed value
Set at the last town-wide revaluation and mostly frozen since. That's $438,638 above what the ratio math suggests (177.8%).
Step 4 · The tax rate — same for every Upper home
$1.649 Schools · 72% $0.331 County · 14% $0.323 Town · 14%
Step 5 · The bill
This home vs. every recent Upper sale · assessed ÷ market
36%187%
Looks meaningfully over-assessed
Even at the generous end of the range, this home's ratio clears the Chapter 123 appeal line (65.15%) — roughly $10,102/yr at stake. NJ appeals are generally due April 1.
The evidence · comparable sales (SR1A usable-sale records)
| Address | Sold | Price | Sq ft | Ratio |
|---|---|---|---|---|
| 705 RT US 9 SO | 2026-01 | $499,900 | 1,850 | 47.6% |
| 90 SCHOOL HOUSE LA | 2025-05 | $495,000 | 1,845 | 46.6% |
| 11 RED OAK DR | 2025-12 | $425,000 | 1,806 | 50.9% |
| 12 ASHCROFT AVE | 2026-01 | $553,000 | 1,943 | 50.1% |
| 288 RT 49 | 2025-01 | $230,000 | 1,632 | 98.4% |
| 6 BLACK OAK DR | 2026-06 | $340,000 | 1,962 | 73.8% |
| 656 STAGECOACH RD | 2025-05 | $610,000 | 1,914 | 41.6% |
| 15 WHITE OAK DR | 2026-06 | $475,885 | 2,168 | 57.3% |
| 6 SEASOUNDS AVE | 2026-05 | $371,000 | 1,752 | 61.9% |
| 10 MEADOWLARK RD | 2026-05 | $469,000 | 1,856 | 49.4% |
| 815 SEASOUNDS AVE | 2025-05 | $525,000 | 2,024 | 47.1% |
| 3 BEESLEYS PL | 2026-05 | $445,000 | 1,950 | 56.2% |
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