25 ORCHARD TERR
Clark, Union County · Block 14, Lot 4
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 up $540 ($21,719 → $22,259) using 2024→2025 rates (2.214 → 2.269) × assessed net.
Assessment net change: 0.0% ($981,000 → $981,000).
Assessment
| Land | $347,300 |
|---|---|
| Improvements | $633,700 |
| Net (taxable assessed, 2026) | $981,000 |
| Town avg ratio used | 80.01% (Average ratio (Director’s / Chapter 123)) |
| Implied equalized value | $1,226,097 |
| 2025 tax (MOD-IV billed) | $22,258.89 |
| Est. 2025 tax @ general rate | $22,259 |
| Mailing address (2026) | 25 ORCHARD TER, CLARK; NJ, 07066 |
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.
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 | $981,000 | — |
| 2025 | $981,000 | $22,258.89 |
| 2024 | $981,000 | $21,719.34 |
| 2023 | $981,000 | $21,395.61 |
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 | $981,000 | 96.49% | $1,016,686 | — | — |
| 2024 | $981,000 | 89.76% | $1,092,914 | 0.0% | +7.5% |
| 2025 | $981,000 | 84.31% | $1,163,563 | 0.0% | +6.5% |
| 2026 | $981,000 | 80.01% | $1,226,097 | 0.0% | +5.4% |
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 | $981,000 | 2.181 | $21,396 | $21,395.61 | — |
| 2024 | $981,000 | 2.214 | $21,719 | $21,719.34 | +1.5% |
| 2025 | $981,000 | 2.269 | $22,259 | $22,258.89 | +2.5% |
| 2026 | $981,000 | — | — | — | — |
Where your money goes
Component $ = net × (component rate ÷ 100). Percents are share of school + county + municipal components for rate year 2025.
Of the estimated change ($540): schools ≈ +76.4%, county ≈ +0.0%, municipal ≈ +23.6%.
| District school (1.167) | $11,448 |
|---|---|
| County (0.411) | $4,032 |
| County open space (0.017) | $167 |
| Municipal purpose (0.634) | $6,220 |
| Municipal library (0.040) | $392 |
Property details
| Class | 2 |
|---|---|
| Building class | 17 |
| Building | — |
| Land description | 104X256 |
| Dwellings | 1 |
| Commercial units | — |
| Year built | 1954 |
| Acreage | 0.6112 |
| Zoning | R150 |
| Tax map page | 9 |
| Additional lots | — |
| Census tract / block | — |
| Special tax codes | — |
| MOD-IV current-year tax | — |
| Last sale | $421,000 · 8/5/2004 · sale assessment $132,100 |
| Deed book / page | 05446 / 00932 |
See this lot on the statewide map, then come back for the full tax story.
Show on mapSources: NJ Division of Taxation MOD-IV (current parcel file) and tax rates for 2025 (Abstract of Ratables). Estimates are not an official tax bill. Owner names are not shown. Full disclaimer.