17 Tern St, Cape May, NJ 08204 Property Records

Cape May County and Lower Township property record for 17 Tern St, Cape May, NJ 08204

Property Summary

Property Type	Single Family Home
Details	1,219 sqft · built 1990
Lot Size	0.083 acres (3,598 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Jul 2020)
Tax Bill	$3,595 (2024)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Oct 2017 Sale & Mortgage
APN	`05-00496-18-00023`

Property Details

APN / Parcel Number

Primary APN	`05-00496-18-00023`

Interior

Stories	1 Story
Building Area	1,219 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Frame
Lot Area	3,598 sqft (0.083 acres)
Lot Dimensions	60 ft deep x 60 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	17 TERN ST
City	CAPE MAY
State	NJ
Zip	08204-4456
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Block	496
Legal Lot Number	23
Jurisdiction	CAPE MAY NJ
Township / Civil Division	LOWER
Census Block Group	1
Census Block	1001
Census Tract	21805

Owner

17 Tern St is owned and occupied by two individuals who bought it in July 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	17 TERN ST, CAPE MAY, NJ 08204-4456
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
Jul 1, 2020	Grant Deed, Transfer · Conventional with PMI HOME PT FIN'L
Oct 12, 2017	Grant Deed, Transfer · Conventional with PMI ATLANTIC HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2020 · Amount on File
Deed Sale	Jul 1, 2020 · Amount on File
Prior Sale	Oct 12, 2017 · Amount on File
Deed Document Number	202019926
Deed Book / Page	3919 / 690
Prior Transfer Date	Oct 6, 1989
Prior Transfer Doc	1971000001
Record Updated	Oct 29, 2026

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAPE MAY NJ
Recording Date	Jul 1, 2020
Property Address	17 TERN ST, CAPE MAY, NJ 08204-4456
Document Number	0039190690
Book / Page	003919 / 000690
Instrument Date	Jun 19, 2020
Instrument	19926
Transaction Type	Transfer
Record Updated	Jul 31, 2020
Title Company	OCEANS EDGE SETTLEMENT SERVICES, OCEANS EDGE SETTLEMENT SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.00
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	817 COTSWOLD RD SOMERDALE NJ 080832407, SOMERDALE, NJ 08083-2407

Mortgage

Document Number	62060841
Date	Jul 1, 2020
Book Page	006206/000841
Instrument	19927

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 30, 2050

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAPE MAY NJ
Recording Date	Oct 12, 2017
Property Address	17 TERN ST, CAPE MAY, NJ 08204-4456
Document Number	0037550763
Book / Page	003755 / 000763
Instrument Date	Sep 18, 2017
Instrument	31375
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	TITLE SERVICES CORPORATION, TITLE SVCS CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$187.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 TROTTER WAY CAPE MAY NJ 082043844, CAPE MAY, NJ 08204-3844

Mortgage

Document Number	59080337
Date	Oct 12, 2017
Book Page	005908/000337
Instrument	31376

Lender

Name	ATLANTIC HM LOANS
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 11, 2047

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		$177,300 (-) Land $74,200 Building $103,100	$177,300 (-) Land $74,200 Building $103,100
2025		$177,300 Land $74,200 Building $103,100	$177,300 Land $74,200 Building $103,100
2024	$3,595.00
2023		$177,300 Land $74,200 Building $103,100	$177,300 Land $74,200 Building $103,100
2022	$3,436.00

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 17 Tern St; there have been 7 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	7 (1979–2010)
Claims Outside the SFHA	4 of 7
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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 17 Tern 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 98% of the US · lower than 94% 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	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 318 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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