Ocean County and Toms River Township property record for 19 E Spray Way, Lavallette, NJ 08735
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 1,476 sqft · built 1998 |
| Lot Size | 0.029 acres (1,250 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $451,500 (May 2018) |
| Tax Bill | $11,953 (2025) |
| Deeds & Mortgages | Jan 2023 Second Mortgage Jan 2022 Mortgage + 4 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 08-01102-03-00017 |
| Primary APN | 08-01102-03-00017 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 3 Stories |
| Building Area | 1,476 sqft Living Area |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gambrel |
| Roof Material | Asbestos |
| Lot Area | 1,250 sqft (0.029 acres) |
| Lot Dimensions | 25 ft deep x 50 ft wide |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 19 E SPRAY WAY |
|---|---|
| City | LAVALLETTE |
| State | NJ |
| Zip | 08735-1941 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RB7 |
| Legal Description | 50X25 |
| Legal Subdivision | DOVER TOWNSHIP |
| Legal Block | 1102 |
| Legal Lot Number | 17 |
| Jurisdiction | OCEAN NJ |
| Township / Civil Division | TOMS RIVER |
| Census Block Group | 3 |
| Census Block | 3038 |
| Census Tract | 722500 |
Source: Ocean County and Toms River Township records, as of July 7, 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 | 1 DUNSTABLE CT, MATAWAN, NJ 07747-6672 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 19, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ATLANTIC FCU |
| Jan 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCK RATES |
| Nov 13, 2018 | Deed of Trust, Mortgage ATLANTIC FCU |
| Oct 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| May 8, 2018 | Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL CO |
| Feb 5, 2018 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 8, 2018 · Amount on Record |
| Deed Sale | May 8, 2018 · Amount on Record |
| Prior Sale | Feb 5, 2018 |
| Deed Document Number | 201844657 |
| Deed Book / Page | 17108 / 554 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OCEAN NJ |
| Property Address | 19 E SPRAY WAY, LAVALLETTE, NJ 08735-1941 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0192790216 |
|---|---|
| Date | Jan 19, 2023 |
| Book Page | 19279/216 |
| Instrument | 2023004443 |
| Name | ATLANTIC FCU |
|---|---|
| Type | Credit Union |
| Address | KENILWORTH, NJ 07033 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 12, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OCEAN NJ |
| Property Address | 19 E SPRAY WAY, LAVALLETTE, NJ 08735-1941 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2022 |
| Title Company | ARMOUR SETTLEMENT SERVICES LLC, ARMOUR SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 0188670489 |
|---|---|
| Date | Jan 14, 2022 |
| Book Page | 18867/489 |
| Instrument | 2022006107 |
| Name | ROCK RATES |
|---|---|
| Type | Non-Lending Institution |
| Address | DOVER, DE 19901 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OCEAN NJ |
| Property Address | 19 E SPRAY WAY, LAVALLETTE, NJ 08735-1941 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0172970689 |
|---|---|
| Date | Nov 13, 2018 |
| Book Page | 17297/0689 |
| Instrument | 2018110999 |
| Name | ATLANTIC FCU |
|---|---|
| Type | Credit Union |
| Address | KENILWORTH, NJ 07033 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Nov 6, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OCEAN NJ |
| Property Address | 19 E SPRAY WAY, LAVALLETTE, NJ 08735-1941 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | EQUITY SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|
| Document Number | 0180990663 |
|---|---|
| Date | Oct 13, 2020 |
| Book Page | 18099/663 |
| Instrument | 2020116662 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OCEAN NJ |
| Recording Date | May 8, 2018 |
| Property Address | 19 E SPRAY WAY, LAVALLETTE, NJ 08735-1941 |
| Document Number | 0171080554 |
| Book / Page | 17108 / 554 |
| Map Reference | DB 17018 PG 39 |
| Instrument Date | Apr 2, 2018 |
| Instrument | 2018044657 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,709.40 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8950 CYPRESS WATERS BLVD, 8950, COPPELL, TX 75019-4620 |
| Name | Verified Name |
|---|---|
| Address | 1 DUNSTABLE CT, MATAWAN, NJ 07747-6672 |
| Document Number | 0171080559 |
|---|---|
| Date | May 8, 2018 |
| Book Page | 17108/559 |
| Instrument | 2018044658 |
| Name | CARDINAL FINANCIAL CO |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | OCEAN NJ |
| Recording Date | Feb 5, 2018 |
| Property Address | 19 E SPRAY WAY, LAVALLETTE, NJ 08735-1941 |
| Document Number | 0170180039 |
| Book / Page | 017018 / 000039 |
| Instrument Date | Oct 23, 2017 |
| Instrument | 11955 |
| Transaction Type | Foreclosure |
| Record Updated | Feb 13, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $2.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 4000 HORIZON WAY IRVING TX 750632260, IRVING, TX 75063-2260 |
Source: Ocean County and Toms River Township assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Ocean County |
| County Subdivision | Toms River Township |
| Unified School District | Toms River Regional School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $611,700 (-) Land $304,000 Building $307,700 | $611,700 (-) Land $304,000 Building $307,700 | |
| 2025 | $11,953.00 (+7.31%) | $611,700 (-) Land $304,000 Building $307,700 | $611,700 (-) Land $304,000 Building $307,700 |
| 2024 | $11,139.00 (+9.11%) | ||
| 2023 | $611,700 Land $304,000 Building $307,700 | $611,700 Land $304,000 Building $307,700 | |
| 2022 | $10,209.00 |
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 March 16, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 733 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 754 units insured incl. 21 condo units |
| Nearby Flood Claims | 1,149 (1978–2024) |
| Claims Outside the SFHA | 166 of 1,149 |
| Most Recent Claim | Aug 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.
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 | 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 968 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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