Ocean County and Toms River Township property record for 116 Reflection Rd, Toms River, NJ 08753
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,246 sqft · built 1985 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $550,000 (Nov 2022) |
| Tax Bill | $7,787 (2025) |
| Deeds & Mortgages | Nov 2022 Sale & Mortgage Apr 2022 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 08-00236-03-00001 |
| Primary APN | 08-00236-03-00001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,246 sqft Living Area |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asbestos |
| Lot Area | 10,454 sqft (0.24 acres) |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 116 REFLECTION RD |
|---|---|
| City | TOMS RIVER |
| State | NJ |
| Zip | 08753-8403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R75 |
| Legal Description | .24AC |
| Legal Subdivision | SILVER BAY MANOR SEC 2 |
| Legal Block | 236.3 |
| Legal Lot Number | 1 |
| Jurisdiction | OCEAN NJ |
| Township / Civil Division | TOMS RIVER |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 722402 |
Source: Ocean County and Toms River Township records, as of July 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 116 REFLECTION RD, TOMS RIVER, NJ 08753-8403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 2, 2022 | Bargain and Sale Deed, Transfer · Conventional Mortgage FM HOME LOANS LLC |
| Apr 11, 2022 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Nov 23, 2020 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Aug 17, 2018 | Grant Deed, Transfer · FHA Mortgage RESMAC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 2, 2022 · Amount on Record |
| Deed Sale | Nov 2, 2022 · Amount on Record |
| Prior Sale | Aug 17, 2018 · Amount on Record |
| Deed Document Number | 2022115146 |
| Deed Book / Page | 19213 / 765 |
| Record Updated | Sep 20, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | OCEAN NJ |
| Recording Date | Nov 2, 2022 |
| Property Address | 116 REFLECTION RD, TOMS RIVER, NJ 08753-8403 |
| Document Number | 0192130765 |
| Book / Page | 19213 / 765 |
| Instrument Date | Oct 26, 2022 |
| Instrument | 2022115146 |
| Transaction Type | Transfer |
| Record Updated | Nov 14, 2022 |
| Title Company | MADISON TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,655.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1054 KILKORMIC ST, 1054, TOMS RIVER, NJ 08753-3149 |
| Name | Verified Name |
|---|---|
| Address | 116 REFLECTION RD, TOMS RIVER, NJ 08753-8403 |
| Document Number | 2022115147 |
|---|---|
| Date | Nov 2, 2022 |
| Instrument | 2022115147 |
| Name | FM HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OCEAN NJ |
| Property Address | 116 REFLECTION RD, TOMS RIVER, NJ 08753-8403 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 116 REFLECTION RD, TOMS RIVER, NJ 08753-8403 |
| Document Number | 0189871691 |
|---|---|
| Date | Apr 11, 2022 |
| Book Page | 18987/1691 |
| Instrument | 2022043811 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 317 Months |
| Due | Sep 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OCEAN NJ |
| Property Address | 116 REFLECTION RD, TOMS RIVER, NJ 08753-8403 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 116 REFLECTION RD, TOMS RIVER, NJ 08753-8403 |
| Document Number | 0181671519 |
|---|---|
| Date | Nov 23, 2020 |
| Book Page | 18167/1519 |
| Instrument | 2020138680 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 334 Months |
| Due | Sep 1, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OCEAN NJ |
| Recording Date | Aug 17, 2018 |
| Property Address | 116 REFLECTION RD, TOMS RIVER, NJ 08753-8403 |
| Document Number | 0172121055 |
| Book / Page | 017212 / 001055 |
| Instrument Date | Aug 14, 2018 |
| Instrument | 81426 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2018 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $310.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 116 REFLECTION RD TOMS RIVER NJ 087538403, TOMS RIVER, NJ 08753-8403 |
| Document Number | 172121062 |
|---|---|
| Date | Aug 17, 2018 |
| Book Page | 017212/001062 |
| Instrument | 81427 |
| Name | RESMAC |
|---|---|
| Address | BOCA RATON, FL 33487 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 16, 2048 |
Source: Ocean County and Toms River Township assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Ocean County |
| County Subdivision | Toms River Township |
| Unified School District | Toms River Regional School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $398,300 (-) Land $98,000 Building $300,300 | $398,300 (-) Land $98,000 Building $300,300 | |
| 2025 | $7,787.00 (+7.3%) | $398,300 (-) Land $98,000 Building $300,300 | $398,300 (-) Land $98,000 Building $300,300 |
| 2024 | $7,257.00 (+9.24%) | ||
| 2023 | $398,300 Land $98,000 Building $300,300 | $398,300 Land $98,000 Building $300,300 | |
| 2022 | $6,643.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 16, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 6.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 301 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 301 in force |
| Nearby Flood Claims | 526 (1979–2024) |
| Claims Outside the SFHA | 8 of 526 |
| Most Recent Claim | Jan 2024 · other causes |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 97.3% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VEOLIA WATER NEW JERSEY TOMS RIVER private · serves 123,184 people · EPA ID NJ1507005 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2023 |
| Lead | 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 619 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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