The Fair Share Report

62 Second St

Highlands, NJ 07732

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

≈ $535,591

Likely range $380,956 – $732,074, from 12 comparable Highlands sales in the past 18 months (home size estimated from assessor data — range widened).

Step 2 · The Director's Ratio

98.82%

The state's official measure of how far Highlands assessments sit below market value — republished every October, applied town-wide. A $535,591 home should be assessed near $529,271.

Step 3 · Assessed value

$533,400

Set at the last town-wide revaluation and mostly frozen since. That's $4,129 above what the ratio math suggests (0.8%).

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

$1.709 per $100 assessed

$0.700 Schools · 41% $0.196 County · 11% $0.813 Town · 48%

This home's own bill implies $1.369 per $100 — below the general rate, usually a deduction on the bill (senior, veteran, disabled).

Step 5 · The bill

$7,303/yr
Public schools$2,991
Monmouth County$838
Town of Highlands$3,474
Highlands average$8,981

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

Town median 99.8%
This home · 99.6%

67%145%

Paying about right

This home's ratio lands inside Highlands'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
55 BAY AVENUE2025-04$475,0001,444100.9%
15 WATERWITCH AVENUE2025-04$590,0001,254108.1%
134 LINDEN AVE2025-01$390,0001,152103.2%
45 PORTLAND ROAD2025-03$475,0001,440108.2%
330 SHORE DRIVE G-62026-06$448,0001,00784.1%
230 BAY AVENUE2026-04$360,0001,134115.7%
380 NAVESINK AVENUE2026-02$602,00095476.8%
52 WASHINGTON AVENUE2026-04$750,0001,28067.2%
20 CEDAR STREET #62025-02$475,0001,074101.7%
227 SHORE DRIVE2025-04$615,0001,02496.5%
203 SHORE DRIVE2026-01$499,9001,14079.4%
100 NAVESINK AVE 12026-03$417,0001,05690.9%

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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 →