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197 Benjamin Street, Toms River, NJ, 08755

5beds
5baths
4,300sqft
$1,750,000
$407price/sqft
$12,712/moest. monthly cost
$508,480/yrincome needed

About This Home

Welcome to this exceptional home located in the highly desirable Tallymawr Estates section of North Dover. Offering approximately 4,300 sq ft of living space plus an additional 2,000 sq ft in a fully finished basement, this additional space is ideal for additional living space. The home features 5 bedrooms, 3 full bathrooms, and 2 half bathrooms, with a thoughtful layout designed for both everyday living and entertaining. The first floor includes a convenient ensuite bedroom with a full bathroom, ideal for guests or multi-generational living. It also includes a beautiful conservatory that adds extra living space filled with natural light. Inside, you'll find a blend of tile, hardwood, and carpet flooring throughout, creating both comfort and style. The kitchen is equipped with a brand new stainless steel appliance package, perfect for modern living. The expansive finished basement includes a half bathroom and offers incredible flexibility for recreation, work, or additional living space. Situated in the heart of North Dover, Tallymawr Estates is known for its desirable location, close walking proximity to shopping, dining, and major roadways, making commuting and everyday conveniences a breeze. This is a rare opportunity to own a large home in one of the area's most sought-after neighborhoods--schedule your private showing today!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2004

Materials

  • Construction materials: Brick

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Finished,Walk-Out Access

Bedrooms & Bathrooms

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

Features

  • Balcony,Ceilings - 9Ft+ 1st Flr,Conservatory,Recessed Lighting
  • Flooring: Ceramic Tile,Wood
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Attic: Pull Down Stairs

Heating & Cooling

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

Interior Area

  • Total structure area: 4,300
  • Total interior livable area: 4,300 sqft

Property

Details

  • Parcel number: 08000130500009
  • Zoning description: Residential, Single Family
  • Exclusions: Personal Property

Features

  • Stories: 2

Lot

  • Lot size: 0.39 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Lightning
Winter Weather
Cold Wave
Hurricane
Heat Wave
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 $8,848$106,176
Home Insurance *$711$8,532
Property Taxes $2,679$32,148
Electricity $474$5,688
Total$12,712$152,544
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$435,840/yr
40% on housing$381,360/yr
45% on housing$338,986/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

$407This 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
2026-04-20Price change$1,875,000
2026-03-22Listed for sale$1,999,999
2004-06-23Sold$507,865

For Sale by Agent

AgentDavid Lazaro, Keller Williams Shore Properties
BrokerageKeller Williams Shore Properties

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