12 Charles Ct, Ocean (Asbury Park), NJ 07712 Property Records

Monmouth County and Ocean Township property record for 12 Charles Ct, Ocean, NJ 07712

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,966 sqft · built 1990
Lot Size	0.029 acres (1,271 sqft)
Owner	2 Individual Names on Record
Last Sale	$451,000 (Dec 2020)
Tax Bill	$8,119 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`37-00001-02-00021-01-C3506`

Property Details

APN / Parcel Number

Primary APN	`37-00001-02-00021-01-C3506`
Alternative APN	`37000010002000210001 C3506`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,966 sqft Living Area
1st Floor Area	1,184 sqft
Upper Floors Area	1,002 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Other
Lot Area	1,271 sqft (0.029 acres)
Garage Type	Built-in
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Deck Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	12 CHARLES CT
City	OCEAN
State	NJ
Zip	07712-7938
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	5699
Legal Description	HIDDEN MEADOWS BLDG 35 UNIT A NIT 1A
Legal Subdivision	HIDDEN MDWS CONDO BLDG 35
Legal Block	1.2
Legal Lot Number	21.1
Jurisdiction	MONMOUTH NJ
Township / Civil Division	OCEAN
Census Block Group	2
Census Block	2001
Census Tract	806501

Owner

Source: Monmouth County and Ocean Township records, as of July 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12 CHARLES CT, OCEAN, NJ 07712-7938
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2026	Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Dec 21, 2020	Grant Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2020 · Amount on Record
Deed Sale	Dec 21, 2020 · Amount on Record
Prior Sale	Sep 27, 2001 · Amount on Record
Deed Document Number	2020153157
Deed Book / Page	9466 / 7359
Prior Transfer Date	Aug 1, 2009
Prior Transfer Doc	2009092457
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Jun 18, 2026
Property Address	12 CHARLES CT, OCEAN, NJ 07712-7938
Document Number	0000049862
Book / Page	9798 / 6678
Instrument Date	May 15, 2026
Instrument	202649862
Transaction Type	Transfer
Record Updated	Aug 5, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$68,175.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 CHARLES CT, OCEAN, NJ 07712-7938

Mortgage

Document Number	0000049863,
Date	Jun 18, 2026
Book Page	9798/6690
Instrument	202649863

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Dec 21, 2020
Property Address	12 CHARLES CT, OCEAN, NJ 07712-7938
Document Number	0000153157
Book / Page	009466 / 007359
Instrument Date	Nov 17, 2020
Instrument	153157
Transaction Type	Transfer
Record Updated	Mar 9, 2021
Title Company	TWO RIVERS TITLE COMPANY LLC, TWO RIVERS TITLE CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$451.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12 CHARLES CT OCEAN NJ 077127938, OCEAN, NJ 07712-7938

Mortgage

Document Number	153158
Date	Dec 21, 2020
Book Page	009466/007408
Instrument	153158

Lender

Name	DRAPER & KRAMER MTG
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 20, 2050

Tax Assessment & Valuation

Source: Monmouth County and Ocean Township assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
County Subdivision	Ocean Township
Unified School District	Ocean Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$636,800 (+6.12%) Land $333,600 Building $303,200	$636,800 (+6.12%) Land $333,600 Building $303,200
2025	$8,119.00 (-1.55%)	$600,100 (+12.86%) Land $303,600 Building $296,500	$600,100 (+12.86%) Land $303,600 Building $296,500
2024	$8,247.00 (+3.32%)
2023		$531,700 Land $284,000 Building $247,700	$531,700 Land $284,000 Building $247,700
2022	$7,982.00

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 September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	11 (1992–2011)
Claims Outside the SFHA	6 of 11
Most Recent Claim	Aug 2011 · rainfall accumulation
Claims by Event	Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 2 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 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 99 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable · Fiber in parts of the area	940 / 35

May also be available: T-Mobile, Verizon, Xfinity.

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