Ocean County and Ocean Township property record for 188 Royal Oak Dr, Waretown, NJ 08758
| Property Type | Exempt (Full or Partial) |
|---|---|
| Details | 3 bd · 3 ba · 3,619 sqft · built 1990 |
| Lot Size | 0.475 acres (20,678 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $150,594 (Jul 2000) |
| Tax Bill | $8,573 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Dec 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-00053-01-00007 |
| Primary APN | 21-00053-01-00007 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,619 sqft Gross Area |
| Basement Area | 1,155 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Colonial |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asbestos |
| Lot Area | 20,678 sqft (0.475 acres) |
| Lot Dimensions | 220 ft deep x 94 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Street Address | 188 ROYAL OAK DR |
|---|---|
| City | WARETOWN |
| State | NJ |
| Zip | 08758-2624 |
| Property Category | Other |
| Property Type | Other > Exempt (Full or Partial) |
| Local Zoning Code | R-2 |
| Legal Description | 94X220 DISABLED VETERAN |
| Legal Subdivision | ROYAL OAKS FINAL MAP |
| Legal Block | 53.1 |
| Legal Lot Number | 7 |
| Jurisdiction | OCEAN NJ |
| Township / Civil Division | OCEAN |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 733002 |
188 Royal Oak Dr is owned by two individuals who bought it in July 2000.
Source: Ocean County and Ocean Township records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 188 ROYAL OAK DR, WARETOWN, NJ 08758-2624 |
| 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 |
|---|---|
| Aug 27, 2026 | Deed of Trust, Mortgage · VA Mortgage EMORTGAGE MANAGEMENT LLC |
| Dec 23, 2025 | Deed of Trust, Mortgage · VA Mortgage EMORTGAGE FUNDING LLC |
| Jun 8, 2023 | Deed of Trust, Mortgage · VA Mortgage EMORTGAGE FUNDING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 14, 2000 · Amount on File |
| Deed Sale | Jul 14, 2000 · Amount on File |
| Prior Sale | Jun 29, 2000 · Amount on File |
| Deed Book / Page | 10145 / 525 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OCEAN NJ |
| Recording Date | Aug 27, 2026 |
| Property Address | 188 ROYAL OAK DR, WARETOWN, NJ 08758-2624 |
| Document Number | 0000069785 |
| Book / Page | 20482 / 1686 |
| Instrument Date | Aug 11, 2026 |
| Instrument | 202669785 |
| Transaction Type | Mortgage |
| Record Updated | Sep 10, 2026 |
| Title Company | FUSION TITLE SERVICES INC, FUSION TITLE |
| Name | Verified Name |
|---|---|
| Address | 188 ROYAL OAK DR, WARETOWN, NJ 08758-2624 |
| Document Number | 0000069785, |
|---|---|
| Date | Aug 27, 2026 |
| Book Page | 20482/1686 |
| Instrument | 202669785 |
| Name | EMORTGAGE MANAGEMENT LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OCEAN NJ |
| Property Address | 188 ROYAL OAK DR, WARETOWN, NJ 08758-2624 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2026 |
| Title Company | AMERICAS TITLE GROUP, AMERICAS TITLE CORP |
| Name | Verified Name |
|---|---|
| Address | 188 ROYAL OAK DR, WARETOWN, NJ 08758-2624 |
| Document Number | 0202361559 |
|---|---|
| Date | Dec 23, 2025 |
| Book Page | 20236/1559 |
| Instrument | 2025102766 |
| Name | EMORTGAGE FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48084 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OCEAN NJ |
| Property Address | 188 ROYAL OAK DR, WARETOWN, NJ 08758-2624 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2023 |
| Title Company | JBS TITLE AND ESCROW LLC, JS TITLE AND ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | 0194000233 |
|---|---|
| Date | Jun 8, 2023 |
| Book Page | 19400/233 |
| Instrument | 2023042918 |
| Name | EMORTGAGE FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48084 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2053 |
The 2025 property tax bill for 188 Royal Oak Dr was $8,573, up 7.9% from the year before.
Source: Ocean County and Ocean Township assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Ocean County |
| County Subdivision | Ocean Township |
| Unified School District | Ocean Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $543,300 (-) Land $119,200 Building $424,100 | $543,300 (-) Land $119,200 Building $424,100 | |
| 2025 | $8,573.00 (+7.86%) Veteran's exemption | $543,300 Land $119,200 Building $424,100 | $543,300 Land $119,200 Building $424,100 |
| 2024 | $7,948.00 | ||
| 2023 | $333,400 Land $96,900 Building $236,500 | $333,400 Land $96,900 Building $236,500 | |
| 2022 | $6,994.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 188 Royal Oak Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 16, 2022 · 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 |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 15 in force |
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 risk around 188 Royal Oak Dr is moderate, ranking above 54% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 54% of the US · above 71% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.1% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OCEAN TWP DEPT OF UTILITIES serves 15,419 people · EPA ID NJ1520001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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 85 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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