18 RUES RD

Upper Freehold Twp, Monmouth County · Block 15, Lot 6

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Assessment year 2026 · Rate year 2025 · Prior rate 2024

2026 revaluation/reassessment town — 2026 general tax rate not in our warehouse yet. Showing 2025 rate against 2026 assessments; YoY % is withheld until the matching rate posts.

Estimated tax story (homeowner view)
$13,429

Estimated annual tax: current net × 1.848 (rate year 2025). Year-over-year % is hidden until the 2026 general rate is available for this reval/reassess town.

Assessment net change: +7.9% ($673,700 → $726,700).

Assessment

Land$345,900
Improvements$380,800
Net (taxable assessed, 2026)$726,700
Town avg ratio used100.00% (Revaluation year (~100% of market))
Implied equalized value$726,700
2025 tax (MOD-IV billed)$12,449.98
Est. 2025 tax @ general rate$13,429
Mailing address (2026)18 RUES RD, CREAM RIDGE; NJ, 08514

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.

Change since the 2025 sale of $790,000: implied equalized value $726,700 is $63,300 below that sale. This is not an appraisal. This is a reassessment year, so the ratio is treated as about 100% and the gap is today’s assessment minus the sale price.

This class 2 — residential (four families or less) — net assessment sits below the town class-2 average of $819,699.

This town revalued/reassessed for tax year 2026. New assessments are set near true market value, so we treat the ratio as ~100% for this year. Published Chapter 123 average ratio for appeals/statistics is still 103.63% (often still reflecting the prior assessment base).

Building permits for 18 RUES RD

The New Jersey construction-permit file lists 1 permit for 18 RUES RD in Upper Freehold Twp. Permit 2023-349, an alteration, was issued 24 Aug 2023 and closed 12 Sep 2023 with a Certificate of Approval. The reported cost is $800.

Permit Type Use Issued Closed Reported cost
2023-349 Alteration International Residential Code 24 Aug 2023 12 Sep 2023, Certificate of Approval $800

The file does not name the work. This file is a full record from 2021 on. Older permits are mostly missing. A repair from before then can be absent here and still be at the Upper Freehold Twp construction office.

Flood zone for 18 RUES RD

The flood map could not be checked for 18 RUES RD, because the address did not place a point on the map. Assessment and tax figures on this page are from our own records.

The state’s 10-foot ground scan puts the lowest cell on this lot at 226.6 feet and the highest at 244.8 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 18 RUES RD

The water and sewer maps could not be checked for 18 RUES RD, because the address did not place a point on the map.

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 $726,700 —
2025 $673,700 $12,449.98
2024 $444,400 $9,581.26
2023 $423,600 $9,408.16

Mailing changed in 2026 to 18 RUES RD, CREAM RIDGE; NJ, 08514.

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 $423,600 88.14% $480,599 — —
2024 $444,400 93.62% $474,685 +4.9% -1.2%
2025 $673,700 88.30% $762,967 +51.6% +60.7%
2026 $726,700 100.00% $726,700 +7.9% -4.8%

2026: This town revalued/reassessed for tax year 2026. New assessments are set near true market value, so we treat the ratio as ~100% for this year. Published Chapter 123 average ratio for appeals/statistics is still 103.63% (often still reflecting the prior assessment base).

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 $423,600 2.221 $9,408 $9,408.16 —
2024 $444,400 2.156 $9,581 $9,581.26 +1.8%
2025 $673,700 1.848 $12,450 $12,449.98 +29.9%
2026 $726,700 — — — pending rate

Where your money goes

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

Schools
$9,934 74.0%
County
$1,533 11.4%
Municipal
$1,962 14.6%
Regional / consolidated school (1.367)$9,934
County (0.171)$1,243
County library (0.011)$80
County health (0.003)$22
County open space (0.026)$189
Municipal purpose (0.210)$1,526
Municipal open space (0.060)$436

Property details

Class2 — Residential (four families or less)
Building class16 — Standard quality single-family dwelling
Building1SF
Land description.86 AC
Dwellings1
Commercial units—
Year built1995
Acreage0.86
ZoningRA-5 — town zoning code
Tax map page4
Additional lots—
Census tract / block—
Special tax codes—
MOD-IV current-year tax—
Last sale$790,000 · 9/30/2025 · sale assessment $673,700
Deed book / page09761 / 04404

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.