Monmouth County and Middletown Township property record for 16 Oak St, Lincroft, NJ 07738
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,583 sqft · built 1948 |
| Lot Size | 0.918 acres (40,001 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $366,000 (Nov 2002) |
| Tax Bill | $14,587 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Jun 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-01101-0000-00010 |
| Primary APN | 32-01101-0000-00010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,583 sqft Living Area |
| 1st Floor Area | 2,096 sqft |
| Basement Area | 1,402 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Architectural Style | Cape Cod |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 40,001 sqft (0.918 acres) |
| Lot Dimensions | 200 ft deep x 200 ft wide |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 374 |
|---|---|
| Street Address | 16 OAK ST |
| City | LINCROFT |
| State | NJ |
| Zip | 07738-1819 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R30 |
| Legal Description | ALSO LOT 8 NIT 1A |
| Legal Subdivision | MAP/SEC A LINCROFT ESTATES |
| Legal Block | 1101 |
| Legal Lot Number | 10 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | MIDDLETOWN |
| Census Block Group | 5 |
| Census Block | 5014 |
| Census Tract | 801500 |
Source: Monmouth County and Middletown 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 | 16 OAK ST, LINCROFT, NJ 07738-1819 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Jun 21, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 18, 2002 · Amount on Record |
| Deed Sale | Nov 18, 2002 · Amount on Record |
| Prior Sale | Dec 27, 2000 · Amount on Record |
| Deed Book / Page | 8164 / 6290 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 16 OAK ST, LINCROFT, NJ 07738-1819 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2022 |
| Title Company | ANCHOR TITLE AGENCY, ANCHOR TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0094931150 |
|---|---|
| Date | Mar 22, 2021 |
| Book Page | 9493/1150 |
| Instrument | 2021045061 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 16 OAK ST, LINCROFT, NJ 07738-1819 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2022 |
| Title Company | WFG LENDER SERVICES RESWARE |
| Name | Verified Name |
|---|
| Document Number | 0096012038 |
|---|---|
| Date | Jun 21, 2022 |
| Book Page | 9601/2038 |
| Instrument | 2022064684 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | May 2, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Monmouth County and Middletown Township assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| County Subdivision | Middletown Township |
| Unified School District | Middletown Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $923,000 (+2.12%) Land $685,000 Building $238,000 | $923,000 (+2.12%) Land $685,000 Building $238,000 | |
| 2025 | $14,587.00 (+4.96%) | $903,800 (+48.65%) Land $603,800 Building $300,000 | $903,800 (+48.65%) Land $603,800 Building $300,000 |
| 2024 | $13,898.00 (+33.24%) | ||
| 2023 | $608,000 Land $314,900 Building $293,100 | $608,000 Land $314,900 Building $293,100 | |
| 2022 | $10,431.00 |
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 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 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 5 (2011–2014) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Apr 2014 · rainfall accumulation |
| 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 64% of the US · above 56% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 179 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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