Cape May County and Avalon Borough property record for 185 78th St, Avalon, NJ 08202
| Property Type | Single Family Home |
|---|---|
| Details | 1,861 sqft · built 2021 |
| Lot Size | 0.152 acres (6,599 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,600,000 (Jan 2020) |
| Tax Bill | $29,543 (2024) |
| Deeds & Mortgages | Nov 2021 Refinance Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 01-00077-03-00023 |
| Primary APN | 01-00077-03-00023 |
|---|---|
| Alternative APN |
|
| Stories | 3 Stories |
|---|---|
| Building Area | 1,861 sqft Living Area |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Construction Type | Frame |
| Lot Area | 6,599 sqft (0.152 acres) |
| Lot Dimensions | 110 ft deep x 60 ft wide |
| Street Address | 185 78TH ST |
|---|---|
| City | AVALON |
| State | NJ |
| Zip | 08202-1026 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1B |
| Legal Description | 25 27 68 70 72 |
| Legal Block | 77.3 |
| Legal Lot Number | 23 |
| Jurisdiction | CAPE MAY NJ |
| Township / Civil Division | AVALON |
| Census Block Group | 3 |
| Census Block | 3043 |
| Census Tract | 20902 |
185 78th St is owned by two individuals who bought it in January 2020.
Source: Cape May County and Avalon Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 739 CALABRIA LN, AMBLER, PA 19002-1549 |
| 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 |
|---|---|
| Nov 24, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Nov 20, 2020 | Deed of Trust, Mortgage CITIZENS BK NA |
| Jan 10, 2020 | Grant Deed, Transfer CITIZENS BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 10, 2020 · Amount on File |
| Deed Sale | Jan 10, 2020 · Amount on File |
| Prior Sale | Dec 1, 2003 · Amount on File |
| Deed Document Number | 202020000949 |
| Deed Book / Page | 3895 / 923 |
| Prior Transfer Date | Apr 13, 1992 |
| Prior Transfer Doc | 2242000156 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAPE MAY NJ |
| Property Address | 185 78TH ST, AVALON, NJ 08202-1026 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000051555 |
|---|---|
| Date | Nov 24, 2021 |
| Book Page | 6490/202 |
| Instrument | 2021051555 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAPE MAY NJ |
| Property Address | 185 78TH ST, AVALON, NJ 08202-1026 |
| Document Number | 0062850163 |
| Instrument Date | Nov 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2020 |
| Title Company | COMMONWEALTH AGENCY, INC |
| Name | Verified Name |
|---|---|
| Address | 185 78TH ST AVALON NJ 082021026, AVALON, NJ 08202-1026 |
| Document Number | 0062850163 |
|---|---|
| Date | Dec 1, 2020 |
| Book Page | 006285/000163 |
| Instrument | 42796 |
| Name | CITIZENS BK NA |
|---|---|
| Address | 1 CITIZENS PLZ, PROVIDENCE, RI 02903-1344 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 30, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CAPE MAY NJ |
| Recording Date | Jan 10, 2020 |
| Property Address | 185 78TH ST, AVALON, NJ 08202-1026 |
| Document Number | 0038950923 |
| Book / Page | 003895 / 000923 |
| Instrument Date | Nov 9, 2019 |
| Instrument | 949 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2020 |
| Title Company | COMMONGROUND ABSTRACT LLC, COMMONGROUND ABS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,600.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 739 CALABRIA LN AMBLER PA 190021549, AMBLER, PA 19002-1549 |
| Document Number | 61450121 |
|---|---|
| Date | Jan 10, 2020 |
| Book Page | 006145/000121 |
| Instrument | 950 |
| Name | CITIZENS BK NA |
|---|---|
| Address | PROVIDENCE, RI 02903 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 9, 2050 |
Source: Cape May County and Avalon Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Cape May County |
| Municipality | Avalon Borough |
| Unified School District | Avalon Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,811,700 (-) Land $1,600,000 Building $3,211,700 | $4,811,700 (-) Land $1,600,000 Building $3,211,700 | |
| 2025 | $4,811,700 Land $1,600,000 Building $3,211,700 | $4,811,700 Land $1,600,000 Building $3,211,700 | |
| 2024 | $29,543.00 | ||
| 2023 | $4,811,700 Land $1,600,000 Building $3,211,700 | $4,811,700 Land $1,600,000 Building $3,211,700 | |
| 2022 | $27,330.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 185 78th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective October 4, 2017 · 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 | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 981 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 1,603 units insured incl. 622 condo units |
| Nearby Flood Claims | 547 (1979–2024) |
| Claims Outside the SFHA | 15 of 547 |
| Most Recent Claim | Nov 2024 |
| 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 185 78th 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 | AVALON WATER AND SEWERAGE UTILITIES serves 39,839 people · EPA ID NJ0501001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 1 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 600 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 |
| AT&T Fixed Wireless | 100 / 20 |
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