The Fair Share Report

403 Maple St

Ocean, NJ 07723

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

≈ $1,177,131

Likely range $825,908 – $1,766,095, from 12 comparable Ocean sales in the past 18 months (home size estimated from assessor data — range widened).

Step 2 · The Director's Ratio

94.25%

The state's official measure of how far Ocean assessments sit below market value — republished every October, applied town-wide. A $1,177,131 home should be assessed near $1,109,446.

Step 3 · Assessed value

$2,791,400

Set at the last town-wide revaluation and mostly frozen since. That's $1,681,954 above what the ratio math suggests (151.6%).

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

$1.319 per $100 assessed

$0.801 Schools · 61% $0.224 County · 17% $0.295 Town · 22%

This home's own bill implies $1.210 per $100 — below the general rate, usually a deduction on the bill (senior, veteran, disabled).

Step 5 · The bill

$33,787/yr
Public schools$20,503
Monmouth County$5,734
Town of Ocean$7,551
Ocean average$12,291

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

Town median 95.5%
This home · 237.1%

72%343%

Looks meaningfully over-assessed

Even at the generous end of the range, this home's ratio clears the Chapter 123 appeal line (100.00%) — roughly $22,185/yr at stake. NJ appeals are generally due April 1.

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

AddressSoldPriceSq ftRatio
6 CALVIN TERR2025-01$1,225,0002,89392.0%
186 WHALE POND RD2026-05$1,530,0002,82594.7%
451 W LINCOLN AVE2025-01$1,950,0003,22784.9%
471 WEST PARK AVE2026-05$1,450,0003,13889.0%
270 JEROME AVE2025-05$2,450,0003,35993.5%
27 PAL DR2025-06$1,080,0002,80298.7%
5 NORTH WOODS RD2025-04$885,5003,12197.6%
150 SHERIDAN AVE2025-05$3,105,0003,602113.9%
29 FREDRIC DR2026-06$810,0002,56180.7%
9 TILTON DR2025-06$875,0003,008100.0%
8 HIGH RIDGE RD2025-02$860,0002,942100.7%
32 ELLEN CT2025-01$750,0002,768131.8%

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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 →