145 E Florida Ave, Villas, NJ 08251 Property Records

Cape May County and Lower Township property record for 145 E Florida Ave, Villas, NJ 08251

Property Summary

Property Type	Single Family Home
Details	1,344 sqft · built 1930
Lot Size	0.138 acres (5,998 sqft)
Owner	2 Individual Names on File
Last Sale	$172,500 (May 2018)
Tax Bill	$2,602 (2024)
Deeds & Mortgages	Jun 2023 Reverse Mortgage May 2018 Sale & Mortgage + 1 more
APN	`05-00020-0000-00049`

Property Details

APN / Parcel Number

Primary APN	`05-00020-0000-00049`
Alternative APN	`050002000049`

Interior

Stories	1 Story
Building Area	1,344 sqft Living Area

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Cape Cod
Construction Type	Frame
Lot Area	5,998 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide

Location & Zoning

Street Address	145 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	L50
Legal Subdivision	MIAMI BEACH SEC 02
Legal Block	20
Legal Lot Number	49
Jurisdiction	CAPE MAY NJ
Township / Civil Division	LOWER
Census Block Group	1
Census Block	1000
Census Tract	21804

Owner

145 E Florida Ave is owned and occupied by two individuals who bought it in May 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	145 E FLORIDA AVE, VILLAS, NJ 08251-3106
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2023	Deed of Trust, Mortgage · Reverse Mortgage SECRETARY OF HOUSING URBAN & DEVELOPMENT
May 17, 2018	Grant Deed, Transfer · FHA Mortgage LAKEVIEW LN SERVICING
May 12, 2017	Grant Deed, Transfer MUTUAL TITLE AGENCY INC, MUTUAL TITLE AGCY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2018 · Amount on File
Deed Sale	May 17, 2018 · Amount on File
Prior Sale	May 12, 2017 · Amount on File
Deed Document Number	201855460
Deed Book / Page	3792 / 598
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAPE MAY NJ
Property Address	145 E FLORIDA AVE, VILLAS, NJ 08251-3106
Transaction Type	Mortgage
Record Updated	Nov 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012290
Date	Jun 2, 2023
Book Page	M6652/326
Instrument	2023012290

Lender

Name	SECRETARY OF HOUSING URBAN & DEVELOPMENT
Type	Government Agency

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	480 Months
Due	Jun 1, 2063

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAPE MAY NJ
Recording Date	May 17, 2018
Property Address	145 E FLORIDA AVE, VILLAS, NJ 08251-3106
Document Number	0037920598
Book / Page	003792 / 000598
Instrument Date	May 14, 2018
Instrument	55460
Transaction Type	Transfer
Record Updated	Jun 7, 2018
Title Company	TITLE COMPANY/NEW JERSEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$172.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	145 E FLORIDA AVE VILLAS NJ 082513106, VILLAS, NJ 08251-3106

Mortgage

Document Number	59700069
Date	May 17, 2018
Book Page	005970/000069
Instrument	55461

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 16, 2048

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAPE MAY NJ
Recording Date	May 12, 2017
Property Address	145 E FLORIDA AVE, VILLAS, NJ 08251-3106
Document Number	0037290665
Book / Page	003729 / 000665
Instrument Date	Apr 26, 2017
Instrument	14531
Transaction Type	Transfer
Record Updated	Sep 13, 2017
Title Company	MUTUAL TITLE AGENCY INC, MUTUAL TITLE AGCY INC

Transaction

Amount	Amount on Record
Tax	$80.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 532 BLACKWOOD NJ 080120532, BLACKWOOD, NJ 08012-0532

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		$128,600 (-) Land $74,000 Building $54,600	$128,600 (-) Land $74,000 Building $54,600
2025		$128,600 Land $74,000 Building $54,600	$128,600 Land $74,000 Building $54,600
2024	$2,602.00
2023		$128,600 (-) Land $74,000 Building $54,600	$128,600 (-) Land $74,000 Building $54,600
2022	$2,485.00 (+3.2%)	$128,600 Land $74,000 Building $54,600	$128,600 Land $74,000 Building $54,600
2021	$2,408.00

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

Flood

FEMA's flood maps do not cover 145 E Florida Ave; there have been 22 flood claims nearby since 1979.

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 File 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

Wildfire risk around 145 E Florida Ave is low, with a 0.02% annual chance of 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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