Monmouth County and Neptune Township property record for 12 Cedar Ter, Neptune, NJ 07753
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 952 sqft · built 1953 |
| Lot Size | 0.186 acres (8,102 sqft) |
| Owner | Individual Name on File |
| Last Sale | $250,000 (Jan 2020) |
| Tax Bill | $7,862 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Apr 2024 Second Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-04306-0000-00026 |
| Primary APN | 35-04306-0000-00026 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 952 sqft Living Area |
| 1st Floor Area | 952 sqft |
| Basement Area | 912 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 8,102 sqft (0.186 acres) |
| Lot Dimensions | 108 ft deep x 75 ft wide |
| Deck Area | 312 sqft |
| Patio Area | 145 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 00073802 |
|---|---|
| Street Address | 12 CEDAR TER |
| City | NEPTUNE |
| State | NJ |
| Zip | 07753-3359 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF10 |
| Legal Subdivision | HAMILTON GARDENS SEC 3 |
| Legal Block | 4306 |
| Legal Lot Number | 26 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | NEPTUNE |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 808002 |
12 Cedar Ter is owned and occupied by an individual who bought it in January 2020.
Source: Monmouth County and Neptune Township records, as of July 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12 CEDAR TER, NEPTUNE, NJ 07753-3359 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 2, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Apr 2, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Jan 9, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Jan 10, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Dec 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Sep 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jan 9, 2020 | Grant Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 9, 2020 · Amount on File |
| Deed Sale | Jan 9, 2020 · Amount on File |
| Prior Sale | Jul 31, 1996 · Amount on File |
| Deed Document Number | 20203214 |
| Deed Book / Page | 9390 / 1869 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 12 CEDAR TER, NEPTUNE, NJ 07753-3359 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2025 |
| Title Company | UNKNOWN, ROCKET CLOSE LLC RESIDENTIAL |
| Name | Verified Name |
|---|---|
| Address | 12 CEDAR TER, NEPTUNE, NJ 07753-3359 |
| Document Number | 0097592411 |
|---|---|
| Date | Oct 2, 2025 |
| Book Page | 9759/2411 |
| Instrument | 2025079012 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.99% |
| Type Change Date | Oct 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.9% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 10.9% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 12 CEDAR TER, NEPTUNE, NJ 07753-3359 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2024 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0096828962 |
|---|---|
| Date | Apr 2, 2024 |
| Book Page | 9682/8962 |
| Instrument | 2024021281 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 12 CEDAR TER, NEPTUNE, NJ 07753-3359 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2023 |
| Title Company | AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0096300751 |
|---|---|
| Date | Jan 9, 2023 |
| Book Page | 9630/751 |
| Instrument | 2023001722 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Feb 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 12 CEDAR TER, NEPTUNE, NJ 07753-3359 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2022 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE |
| Name | Verified Name |
|---|
| Document Number | 0095705316 |
|---|---|
| Date | Jan 10, 2022 |
| Book Page | 9570/5316 |
| Instrument | 2022002510 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Nov 10, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 12 CEDAR TER, NEPTUNE, NJ 07753-3359 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2022 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0095642317 |
|---|---|
| Date | Dec 10, 2021 |
| Book Page | 9564/2317 |
| Instrument | 2021176955 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 12 CEDAR TER, NEPTUNE, NJ 07753-3359 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2021 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0095411282 |
|---|---|
| Date | Sep 7, 2021 |
| Book Page | 9541/1282 |
| Instrument | 2021134122 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jan 9, 2020 |
| Property Address | 12 CEDAR TER, NEPTUNE, NJ 07753-3359 |
| Document Number | 0000003214 |
| Book / Page | 009390 / 001869 |
| Instrument Date | Dec 27, 2019 |
| Instrument | 3214 |
| Transaction Type | Transfer |
| Record Updated | Feb 4, 2020 |
| Title Company | QUALITY TITLE COMPANY, QUALITY TITLE & ABSTRACT AGCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $250.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12 CEDAR TER NEPTUNE NJ 077533359, NEPTUNE, NJ 07753-3359 |
| Document Number | 3215 |
|---|---|
| Date | Jan 9, 2020 |
| Book Page | 009390/001875 |
| Instrument | 3215 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 8, 2050 |
The 2025 property tax bill for 12 Cedar Ter was $7,862, up 30.7% from the year before.
Source: Monmouth County and Neptune Township assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| County Subdivision | Neptune Township |
| Unified School District | Neptune Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $501,800 (+17.44%) Land $360,400 Building $141,400 | $501,800 (+17.44%) Land $360,400 Building $141,400 | |
| 2025 | $7,862.00 (+30.73%) | $427,300 Land $281,800 Building $145,500 | $427,300 Land $281,800 Building $145,500 |
| 2024 | $6,014.00 | ||
| 2023 | $315,600 Land $197,300 Building $118,300 | $315,600 Land $197,300 Building $118,300 | |
| 2022 | $5,183.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Cedar Ter in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2005.
Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 5 (2005–2018) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | May 2018 · 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.
Wildfire risk around 12 Cedar Ter is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 89% of New Jersey |
|---|---|
| Wildfire Likelihood | 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 | NJ AMERICAN WATER - COASTAL NORTH private · serves 377,613 people · EPA ID NJ1345001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2023 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | Turbidity resolved · Sep 2019 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 236 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 980 / 880 |
| Starlink Satellite | 280 / 30 |
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