8 COLGATE DR

South Toms River Boro, Ocean County · Block 21.8, Lot 18

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Assessment year 2026 · Rate year 2026 · Prior rate 2025

Estimated tax story (homeowner view)
+8.1%

Estimated tax up $563 ($6,956 → $7,519) using 2025→2026 rates (3.520 → 3.805) × assessed net.

Assessment net change: 0.0% ($197,600 → $197,600).

Assessment

Land$66,000
Improvements$131,600
Net (taxable assessed, 2026)$197,600
Town avg ratio used54.89% (Average ratio (Director’s / Chapter 123))
Implied equalized value$359,993
2025 tax (MOD-IV billed)$6,955.52
Est. 2026 tax @ general rate$7,519
Mailing address (2026)12 SABLOW DR, LAKEWOOD NJ, 08757

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 $313,500: implied equalized value $359,993 is $46,493 above that sale. This is not an appraisal.

This class 2 — residential (four families or less) — net assessment sits above the town class-2 average of $171,243.

Building permits for 8 COLGATE DR

No construction permit for 8 COLGATE DR 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 South Toms River Boro construction office.

Flood zone for 8 COLGATE DR

FEMA’s flood map places the mapped point for 8 COLGATE DR in zone X.

The state’s 10-foot ground scan puts the lowest cell on this lot at 42.4 feet and the highest at 44.6 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 8 COLGATE DR

This lot is within the OCUA Central sewer system. Please verify with the provider.

This lot is within the Veolia Water NJ Toms River 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 $197,600 —
2025 $197,600 $6,955.52
2024 $197,600 $6,493.14
2023 $197,600 $6,263.92

Mailing changed in 2026 to 12 SABLOW DR, LAKEWOOD NJ, 08757.

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 $197,600 76.06% $259,795 — —
2024 $197,600 66.56% $296,875 0.0% +14.3%
2025 $197,600 60.47% $326,774 0.0% +10.1%
2026 $197,600 54.89% $359,993 0.0% +10.2%

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 $197,600 3.170 $6,264 $6,263.92 —
2024 $197,600 3.286 $6,493 $6,493.14 +3.7%
2025 $197,600 3.520 $6,956 $6,955.52 +7.1%
2026 $197,600 3.805 $7,519 — +8.1%

Where your money goes

Component $ = net × (component rate ÷ 100). Percents are share of school + county + municipal components for rate year 2026.

Schools
$2,717 36.1%
County
$1,194 15.9%
Municipal
$3,608 48.0%

Of the estimated increase of $563, the school portion moved $204 up, the county portion $89 up, and the municipal portion $270 up. Those are pieces of the dollar change. They are not a change in each share of the rate.

Regional / consolidated school (1.375)$2,717
County (0.503)$993
County library (0.050)$98
County health (0.030)$60
County open space (0.022)$43
Municipal purpose (1.826)$3,608

Property details

Class2 — Residential (four families or less)
Building class16 — Standard quality single-family dwelling
Building1SF 1400
Land description80X110
Dwellings1
Commercial units—
Year built1960
Acreage0.202
ZoningR7 — town zoning code
Tax map page10
Additional lots—
Census tract / block—
Special tax codes—
MOD-IV current-year tax—
Last sale$313,500 · 6/11/2025 · sale assessment $197,600 · SR1A 00 — Usable for the sales study
Deed book / page20073 / 00368

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 2026 (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.