12 E 15th St, Barnegat Light, NJ 08006 Property Records

Ocean County and Barnegat Light Borough property record for 12 E 15th St, Barnegat Light, NJ 08006

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,722 sqft · built 1963
Lot Size	0.144 acres (6,251 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (Sep 1981)
Tax Bill	$7,747 (2025)
Deeds & Mortgages	Jun 2023 Reverse Mortgage Jun 2023 Reverse Mortgage
Flood Zone	Zone AO (high risk)
APN	`02-00027-0000-00014`

Property Details

APN / Parcel Number

Primary APN	`02-00027-0000-00014`
Alternative APN	`020002700014`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,722 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Cape Cod
Construction Type	Frame
Roof Type	Gable
Roof Material	Asbestos
Lot Area	6,251 sqft (0.144 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Detached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	12 E 15TH ST
City	BARNEGAT LIGHT
State	NJ
Zip	08006-1542
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B
Legal Description	50X125
Legal Subdivision	BARNEGAT CITY
Legal Block	27
Legal Lot Number	14
Jurisdiction	OCEAN NJ
Township / Civil Division	BARNEGAT LIGHT
Census Block Group	3
Census Block	3004
Census Tract	738100

Owner

12 E 15th St is owned by two individuals who bought it in September 1981.

Source: Ocean County and Barnegat Light Borough records, as of July 7, 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	2 Individual Names on File
Mailing Address	PO BOX 264, BARNEGAT LIGHT, NJ 08006-0264
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2023	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Jun 2, 2023	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 1981 · Amount on File
Deed Sale	Sep 12, 1981 · Amount on File
Deed Book / Page	4021 / 191
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Property Address	12 E 15TH ST, BARNEGAT LIGHT, NJ 08006-1542
Transaction Type	Mortgage
Record Updated	Jun 15, 2023
Title Company	CHANCELLOR TITLE AGENCY, CHANCELLOR TITLE AGENCY NJ

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 E 15TH ST, BARNEGAT LIGHT, NJ 08006-1542

Mortgage

Document Number	0193951080
Date	Jun 2, 2023
Book Page	19395/1080
Instrument	2023041438

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	753 Months
Due	Mar 1, 2086

Interest

Rate Type	Adjustable Rate
Rate	7.13%
Type Change Date	Jul 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.1%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Property Address	12 E 15TH ST, BARNEGAT LIGHT, NJ 08006-1542
Transaction Type	Mortgage
Record Updated	Jun 15, 2023
Title Company	CHANCELLOR TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 E 15TH ST, BARNEGAT LIGHT, NJ 08006-1542

Mortgage

Document Number	0193951095
Date	Jun 2, 2023
Book Page	19395/1095
Instrument	2023041439

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	753 Months
Due	Mar 1, 2086

Interest

Rate Type	Adjustable Rate
Rate	7.13%
Type Change Date	Jul 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.1%

Tax Assessment & Valuation

The 2025 property tax bill for 12 E 15th St was $7,747, up 9.8% from the year before.

Source: Ocean County and Barnegat Light Borough assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Ocean County
Municipality	Barnegat Light Borough
Elementary School District	Long Beach Island School District (KG - 06)
Secondary School District	Southern Regional School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$699,800 (-) Land $500,000 Building $199,800	$699,800 (-) Land $500,000 Building $199,800
2025	$7,747.00 (+9.84%)	$699,800 Land $500,000 Building $199,800	$699,800 Land $500,000 Building $199,800
2024	$7,053.00
2023		$699,800 Land $500,000 Building $199,800	$699,800 Land $500,000 Building $199,800
2022	$5,787.00

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

Flood

FEMA maps place 12 E 15th St in Zone AO, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 16, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AO high risk · sheet flow 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 325 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	335 units insured incl. 10 condo units
Nearby Flood Claims	42 (1979–2021)
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Hurricane Sandy, Nov 2012 · 23 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 4 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

Wildfire risk around 12 E 15th St is low, with less than 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 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.

Drinking Water

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

Water System	BARNEGAT LIGHT WATER DEP serves 4,148 people · EPA ID NJ1501001
Water Source	Groundwater
Last State Inspection	May 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	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 150 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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