115 E Florida Ave, Villas, NJ 08251 Property Records

Cape May County and Lower Township property record for 115 E Florida Ave, Villas, NJ 08251

Property Summary

Property Type	Single Family Home
Details	981 sqft · built 1952
Lot Size	0.207 acres (8,999 sqft)
Owner	Individual Name on Record
Last Sale	$251,000 (Nov 2021)
Tax Bill	$2,797 (2024)
Deeds & Mortgages	Apr 2026 Mortgage Nov 2021 Sale & Mortgage
APN	`05-00020-0000-00034`

Property Details

APN / Parcel Number

Primary APN	`05-00020-0000-00034`
Alternative APN	`050002000034`

Interior

Stories	1 Story
Building Area	981 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Cape Cod
Construction Type	Frame
Lot Area	8,999 sqft (0.207 acres)
Lot Dimensions	100 ft deep x 90 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	115 E FLORIDA AVE
City	VILLAS
State	NJ
Zip	08251-3106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L 6 TO 9
Legal Block	20
Legal Lot Number	34
Jurisdiction	CAPE MAY NJ
Township / Civil Division	LOWER
Census Block Group	1
Census Block	1000
Census Tract	21804

Owner

Source: Cape May County and Lower Township records, as of June 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	115 E FLORIDA AVE, VILLAS, NJ 08251-3106
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Nov 3, 2021	Deed, Transfer · Stand-Alone First Mortgage PRIMARY RESIDENTIAL MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2021 · Amount on Record
Deed Sale	Nov 3, 2021 · Amount on Record
Prior Sale	May 8, 2001 · Amount on Record
Deed Document Number	202148587
Deed Book / Page	4018 / 984
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAPE MAY NJ
Recording Date	Apr 2, 2026
Property Address	115 E FLORIDA AVE, VILLAS, NJ 08251-3106
Document Number	0000093014
Book / Page	6895 / 944
Instrument Date	Mar 19, 2026
Instrument	202693014
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	CLOSING USA LLC, CLOSING USA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 E FLORIDA AVE, VILLAS, NJ 08251-3106

Mortgage

Document Number	0000093014,
Date	Apr 2, 2026
Book Page	6895/944
Instrument	202693014

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CAPE MAY NJ
Recording Date	Nov 3, 2021
Property Address	115 E FLORIDA AVE, VILLAS, NJ 08251-3106
Document Number	0000048587
Book / Page	4018 / 984
Instrument Date	Oct 22, 2021
Instrument	2021048587
Transaction Type	Transfer
Record Updated	Oct 24, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 E FLORIDA AVE, VILLAS, NJ 08251-3106

Mortgage

Document Number	0000048588
Date	Nov 3, 2021
Instrument	2021048588

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

Source: Cape May County and Lower Township assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Cape May County
County Subdivision	Lower Township
Secondary School District	Lower Cape May Regional School District (07 - 12)
Elementary School District	Lower Township School District (KG - 06)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$138,200 (-) Land $86,000 Building $52,200	$138,200 (-) Land $86,000 Building $52,200
2025		$138,200 (-) Land $86,000 Building $52,200	$138,200 (-) Land $86,000 Building $52,200
2024	$2,797.00 (+4.72%)
2023		$138,200 (-) Land $86,000 Building $52,200	$138,200 (-) Land $86,000 Building $52,200
2022	$2,671.00 (+12.65%)	$138,200 Land $86,000 Building $52,200	$138,200 Land $86,000 Building $52,200
2021	$2,371.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 4, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 111 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	111 in force
Nearby Flood Claims	22 (1979–2024)
Claims Outside the SFHA	3 of 22
Most Recent Claim	Jan 2024 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 8 claims Hurricane Gloria, Sep 1985 · 5 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 51% of New Jersey
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LOWER TWP MUA serves 12,416 people · EPA ID NJ0505002
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	5 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 396 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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