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2281 Clover Hill Lane, Toms River, NJ, 08755

5beds
4baths
4,418sqft
$1,650,000
$373price/sqft
$11,981/moest. monthly cost
$479,240/yrincome needed

About This Home

Stunning 5-bedroom 3.5 bath custom brick front home on a private one-acre cul-de-sac lot in a highly desirable neighborhood. Features include a 2 story foyer with a grand staircase , 9 Ft ceilings, decorative molding hardwood floors, primary bedroom on the first floor with a sitting area and fireplace, ensuite bathroom with a spa like tub, shower and large custom walk-in closet. The finished basement adds an additional 2000sf. You won't want to leave your back yard oasis with a beautiful saltwater pool with spa, stamped concrete patio,covered patio and a koi pond. This one-of-a-kind home offers the perfect blend of luxury, comfort and privacy. Seller Has Requested Highest and Best offers by 12 Noon Wednesday May 6th

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2003

Materials

  • Roof: Timberline
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Custom
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Ceilings - 9Ft+ 2nd Flr,Dec Molding,Recessed Lighting
  • Number of fireplaces: 2
  • Fireplace: Yes
  • Attic: Attic

Heating & Cooling

  • Heating features: Natural Gas,Forced Air,3+ Zoned Heat
  • Cooling features: Central Air,3+ Zoned AC

Interior Area

  • Total structure area: 4,418
  • Total interior livable area: 4,418 sqft

Property

Details

  • Parcel number: 080016500000000616
  • Exclusions: seller's personal belongings

Features

  • Stories: 2
  • Private pool: Yes
  • Pool features: In Ground,Salt Water
  • Exterior features: Swimming,Lighting
  • Fencing: Fenced Area

Lot

  • Lot size: 1.03 Acres
  • Features: Oversized,Back to Woods,Cul-De-Sac,Wooded

Parking

  • Total spaces: 3
  • Parking features: Driveway
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Strong Wind
    Strong WindVery High
  • Winter Weather
    Winter WeatherVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Winter Weather
Inland Flooding
Lightning
Cold Wave
Hurricane
Heat Wave
Ice Storm
Wildfire
Tsunami

FEMA Declared Disasters Across New Jersey Counties

Fire

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $8,343$100,116
Home Insurance *$671$8,052
Property Taxes $2,480$29,760
Electricity $487$5,844
Total$11,981$143,772
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$410,777/yr
40% on housing$359,430/yr
45% on housing$319,493/yr

New Jersey FAIR Plan Programs

New Jersey Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 7,029Commercial: 173
Total Premiums$5.54M
Total Exposure$1.19B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.2%
7.2%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.1%
-2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$373This listing

vs Other Active Listings

Avg $/sqft

ZIP 08755$290
Ocean County$354

vs Homes Sold Last Month

Median $/sqft

ZIP 08755$285
Ocean County$302

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-05-12Pending sale$1,650,000
2026-05-03Listed for sale$1,650,000
2015-06-15Sold$705,000
2015-04-13Pending sale$729,900
2015-01-21Listed for sale$729,900
2003-03-24Sold$551,400

For Sale by Agent

AgentDiana Morgan
BrokerageKeller Williams Shore Properties

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