The Fair Share Report

232 Shell Rd

Commercial, NJ 08332

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.

Step 1 · Market value

≈ $165,699

Likely range $127,483 – $194,155, from 12 comparable Commercial sales in the past 18 months (home size estimated from assessor data — range widened).

Step 2 · The Director's Ratio

80.53%

The state's official measure of how far Commercial assessments sit below market value — republished every October, applied town-wide. A $165,699 home should be assessed near $133,437.

Step 3 · Assessed value

$88,400

Set at the last town-wide revaluation and mostly frozen since. That's $45,037 below what the ratio math suggests (33.8%).

Step 4 · The tax rate — same for every Commercial home

$2.755 per $100 assessed

$0.905 Schools · 33% $1.146 County · 42% $0.704 Town · 26%

Step 5 · The bill

$2,778/yr
Public schools$913
Cumberland County$1,156
Town of Commercial$710
Commercial average$3,016

This home vs. every recent Commercial sale · assessed ÷ market

Town median 63.1%
This home · 53.3%

40%145%

Paying about right

This home's ratio lands inside Commercial's normal band. The drift hasn't singled it out — no case for a tax appeal.

The evidence · comparable sales (SR1A usable-sale records)

AddressSoldPriceSq ftRatio
7414 BATTLE LANE2025-10$265,0001,12848.9%
7178 KERON DRIVE2026-03$170,00098061.9%
1511 NORTH AVE2025-07$190,0001,25159.6%
1561 NORTH AVE2025-09$170,0001,09251.1%
340 ROBIN RD2025-12$85,0001,325128.8%
968 STEEP RUN RD2025-06$145,0001,18075.9%
7241 KERON DR2026-05$275,0001,21459.5%
7305 SAMUEL DRIVE2025-04$110,0001,06490.4%
6117 QUAIL DRIVE2025-06$119,90097289.7%
7811 DAVID PLACE2026-04$180,0001,21051.9%
416 LARK ROAD2025-10$235,0001,15249.5%
434 BEGONIA ROAD2025-11$189,0001,11629.1%

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Estimates from public records — NJ MOD-IV assessments, SR1A usable sales, and Treasury/DCA rate tables. Your house has a history. Write the next chapter on Plotline →