81 WHITE HORSE PIKE WEST

Berlin Boro, Camden County · Block 304, Lot 1.1

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Assessment year 2026 · Rate year 2025 · Prior rate 2024

Assessments are tax year 2026; latest published general rate we have is 2025. Estimate uses that rate until the 2026 rate is loaded.

Estimated tax story (homeowner view)
+1.8%

Estimated tax up $3,125 ($174,746 → $177,871) using 2024→2025 rates (3.411 → 3.472) × assessed net.

Assessment net change: 0.0% ($5,123,000 → $5,123,000).

Assessment

Land$1,000,000
Improvements$4,123,000
Net (taxable assessed, 2026)$5,123,000
Town avg ratio used66.55% (Average ratio (Director’s / Chapter 123))
Implied equalized value$7,697,971
2025 tax (MOD-IV billed)$177,870.56
Est. 2025 tax @ general rate$177,871
Mailing address (2026)81 W WHITE HORSE PIKE, BERLIN NJ, 08009

How the ratio works: New Jersey towns often assess below full market value. The average ratio (Director’s / Chapter 123) estimates what percent of true market value the town’s assessments represent. Implied equalized value ≈ assessed net ÷ (ratio ÷ 100). Example: assessed $187,600 at 55.89% ≈ $335,700 equalized. Tax bills still use assessed value × the general tax rate — not the equalized figure.

Building permits for 81 WHITE HORSE PIKE WEST

No construction permit for 81 WHITE HORSE PIKE WEST is in the New Jersey construction-permit file. That file is a full record from 2021 on. Work from before then can be missing here and still be at the Berlin Boro construction office.

Flood zone for 81 WHITE HORSE PIKE WEST

FEMA’s flood map places the mapped point for 81 WHITE HORSE PIKE WEST in zone X.

The state’s 10-foot ground scan puts the lowest cell on this lot at 152.4 feet and the highest at 163.1 feet (NAVD88).

These figures are estimates. The zone and any flood elevation come from FEMA’s flood map at a point for this address, and that point can fall in the street. The high and low come from the state’s 10-foot ground scan of the lot outline. A cell can catch a ditch, the street, or the edge of the lot. They are not a survey and not an insurance rating. A licensed surveyor measures the ground and the building. The town floodplain administrator, or a licensed engineer, confirms what the zone means for this lot. No zone at this point, or zone X, does not mean the lot will not flood.

Water and sewer for 81 WHITE HORSE PIKE WEST

This lot is within the Delaware No 1 WPCF sewer system. Please verify with the provider.

This lot is within the Berlin WD water system. Please verify with the provider.

These lines come from the state’s sewer service areas and public community water areas, read at a point for this address. That point can fall in the street. Being inside a named area means the lot is inside that mapped system, not that a pipe or a meter is on the house. Being outside means the lot is outside the mapped service area, which is usually a septic system or a private well. It is not a hookup record. Please verify with the provider. How we read water and sewer.

Year-by-year assessed value & tax

From NJ MOD-IV files (2023, 2024, 2025, 2026). Tax is the MOD-IV billed amount when present; otherwise —. Current mailing is in Assessment above.

Year Assessed net Tax
2026 $5,123,000 —
2025 $5,123,000 $177,870.56
2024 $5,123,000 $174,745.53
2023 $5,123,000 $173,157.40

Assessed value & ratio history

Parcel assessed nets come from MOD-IV year files (2023, 2024, 2025, 2026). Town average ratios are from Abstract / Chapter 123 when available — implied equalized = assessed ÷ (ratio ÷ 100).

Tax year Assessed net Avg ratio Implied equalized Assessed Δ Equalized Δ
2023 $5,123,000 85.53% $5,989,711 — —
2024 $5,123,000 79.99% $6,404,551 0.0% +6.9%
2025 $5,123,000 72.71% $7,045,798 0.0% +10.0%
2026 $5,123,000 66.55% $7,697,971 0.0% +9.3%

Tax year history

Assessed net is from that year’s MOD-IV file. Est. tax = assessed × that year’s general rate when we have the rate sheet. Billed tax is the MOD-IV tax field when present (often empty for the newest file year).

Tax year Assessment net General rate Est. tax (that year) Billed tax Est. vs prior
2023 $5,123,000 3.380 $173,157 $173,157.40 —
2024 $5,123,000 3.411 $174,746 $174,745.53 +0.9%
2025 $5,123,000 3.472 $177,871 $177,870.56 +1.8%
2026 $5,123,000 — — — —

Where your money goes

Component $ = net × (component rate ÷ 100). Percents are share of school + county + municipal components for rate year 2025.

Schools
$92,880 52.2%
County
$39,959 22.5%
Municipal
$45,031 25.3%

Of the estimated increase of $3,125, the school portion moved $2,613 up, the county portion $256 down, and the municipal portion $768 up. Those are pieces of the dollar change. They are not a change in each share of the rate.

District school (1.091)$55,892
Regional / consolidated school (0.722)$36,988
County (0.752)$38,525
County open space (0.028)$1,434
Municipal purpose (0.818)$41,906
Municipal open space (0.015)$768
Municipal library (0.046)$2,357

Property details

Class4A — Commercial
Building class10 — not listed in the state appraisal manual
Building2SF
Land description3.77 AC
Dwellings1
Commercial units0
Year built—
Acreage3.77
ZoningC-2 — town zoning code
Tax map page3
Additional lots1;2
Census tract / block—
Special tax codes—
MOD-IV current-year tax—
Last sale—
Deed book / page04377 / 00846

The class, building class, SR1A, and special-tax words are the state’s names for those codes. The zoning code is the town’s. A code that is not on the state list keeps the code and says so.

See this lot on the statewide map, then come back for the full tax story.

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Sources: NJ Division of Taxation MOD-IV (current parcel file) and tax rates for 2025 (Abstract of Ratables). Building permits are read live from the NJ construction-permit file for this block and lot. The flood zone is read live from FEMA’s flood map at a point for this address. The high and low are read live from the state’s 10-foot ground scan. Water and sewer are read live from the state’s service-area maps at that same point. Those map readings are estimates, not a survey and not a hookup record. Estimates are not an official tax bill. Owner names are not shown. Water and sewer · Full disclaimer.