Ocean County and Harvey Cedars Borough property record for 17 James St, Harvey Cedars, NJ 08008
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,839 sqft · built 1982 |
| Lot Size | 0.119 acres (5,179 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $17,480 (2025) |
| Deeds & Mortgages | May 2019 Construction Loan Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 10-00001-0000-00002 |
| Primary APN | 10-00001-0000-00002 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,839 sqft Living Area |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Contemporary |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,179 sqft (0.119 acres) |
| Lot Dimensions | 74 ft deep x 70 ft wide |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Account Number | 20 |
|---|---|
| Street Address | 17 JAMES ST |
| City | HARVEY CEDARS |
| State | NJ |
| Zip | 08008-5722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-A |
| Legal Description | 70X74 |
| Legal Subdivision | BOROUGH/HARVEY CEDARS |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | OCEAN NJ |
| Township / Civil Division | HARVEY CEDARS |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 738100 |
17 James St is owned and occupied by two individuals.
Source: Ocean County and Harvey Cedars Borough records, as of July 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 17 JAMES ST, HARVEY CEDARS, NJ 08008-5722 |
| 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 |
|---|---|
| May 24, 2019 | Deed of Trust, Mortgage · Construction Mortgage UNITY BANK |
| Aug 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITY BANK |
| Nov 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OCEAN NJ |
| Property Address | 17 JAMES ST, HARVEY CEDARS, NJ 08008-5722 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0174811619 |
|---|---|
| Date | May 24, 2019 |
| Book Page | 17481/1619 |
| Instrument | 2019048577 |
| Name | UNITY BANK |
|---|---|
| Type | Bank |
| Address | CLINTON, NJ 08809 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 10 Months |
| Due | Mar 29, 2020 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OCEAN NJ |
| Property Address | 17 JAMES ST, HARVEY CEDARS, NJ 08008-5722 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2021 |
| Title Company | UNIVERSITY TITLE INS AGCY |
| Name | Verified Name |
|---|
| Document Number | 0179920588 |
|---|---|
| Date | Aug 3, 2020 |
| Book Page | 17992/588 |
| Instrument | 2020082187 |
| Name | UNITY BANK |
|---|---|
| Type | Bank |
| Address | CLINTON, NJ 08809 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OCEAN NJ |
| Property Address | 17 JAMES ST, HARVEY CEDARS, NJ 08008-5722 |
| Document Number | 0181840121 |
| Instrument Date | Nov 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2020 |
| Title Company | MADISON TITLE AGENCY LLC, MADISON TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 17 JAMES ST LAKEWOOD NJ 087014713, LAKEWOOD, NJ 08701-4713 |
| Document Number | 0181840121 |
|---|---|
| Date | Dec 2, 2020 |
| Book Page | 018184/000121 |
| Instrument | 144020 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
The 2025 property tax bill for 17 James St was $17,480, down 1.1% from the year before.
Source: Ocean County and Harvey Cedars Borough assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Ocean County |
| Municipality | Harvey Cedars Borough |
| Elementary School District | Long Beach Island School District (KG - 06) |
| Secondary School District | Southern Regional School District (07 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,571,900 (-) Land $1,129,300 Building $442,600 | $1,571,900 (-) Land $1,129,300 Building $442,600 | |
| 2025 | $17,480.00 (-1.15%) | $1,571,900 Land $1,129,300 Building $442,600 | $1,571,900 Land $1,129,300 Building $442,600 |
| 2024 | $17,683.00 | ||
| 2023 | $1,571,900 Land $1,129,300 Building $442,600 | $1,571,900 Land $1,129,300 Building $442,600 | |
| 2022 | $15,200.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 17 James St in Zone AE, 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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 7.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 456 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 478 units insured incl. 22 condo units |
| Nearby Flood Claims | 681 (1979–2025) |
| Claims Outside the SFHA | 1 of 681 |
| Most Recent Claim | Oct 2025 · 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.
The area around 17 James St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | HARVEY CEDARS WATER DEPT serves 6,600 people · EPA ID NJ1509001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2023 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 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 226 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 |
| AT&T Fixed Wireless | 100 / 20 |
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