Monmouth County and Ocean Township property record for 20 Cotswold Cir, Ocean, NJ 07712
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,558 sqft · built 1986 |
| Lot Size | 0.323 acres (14,083 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $100,000 (Jun 2014) |
| Tax Bill | $7,107 (2024) |
| Deeds & Mortgages | Jan 2024 Line of Credit Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 37 00034-0000-00029-0000-C7.04 |
| Primary APN | 37 00034-0000-00029-0000-C7.04 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,558 sqft Living Area |
| 1st Floor Area | 1,072 sqft |
| Upper Floors Area | 750 sqft |
| Basement Area | 368 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 14,083 sqft (0.323 acres) |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Deck Area | 92 sqft |
| Patio Area | 66 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Old Parcel Number | 37000340000000290000C7.04 |
|---|---|
| Street Address | 20 COTSWOLD CIR |
| City | OCEAN |
| State | NJ |
| Zip | 07712-2644 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | COTSWOLD/GREEN CONDO BLDG #7 |
| Legal Block | 34 |
| Legal Lot Number | 29 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | OCEAN |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 806502 |
Source: Monmouth County and Ocean Township records, as of July 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 20 COTSWOLD CIR, OCEAN, NJ 07712-2644 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 22, 2024 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Dec 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TD BK NA |
| Apr 3, 2019 | Deed of Trust, Mortgage · Conventional Mortgage TD BK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 19, 2014 · Amount on Record |
| Deed Sale | Jun 19, 2014 · Amount on Record |
| Deed Document Number | 201447560 |
| Deed Book / Page | 9069 / 7958 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 20 COTSWOLD CIR, OCEAN, NJ 07712-2644 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2024 |
| Title Company | OLD REPUBLIC TITLE RIS |
| Name | Verified Name |
|---|
| Document Number | 0096751033 |
|---|---|
| Date | Jan 22, 2024 |
| Book Page | 9675/1033 |
| Instrument | 2024004640 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 15, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 20 COTSWOLD CIR, OCEAN, NJ 07712-2644 |
| Document Number | 0000009694 |
| Instrument Date | Dec 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 20 COTSWOLD CIR OCEAN NJ 077122644, 7.04, OCEAN, NJ 07712-2644 |
| Document Number | 0000009694 |
|---|---|
| Date | Jan 19, 2021 |
| Book Page | 009474/002417 |
| Instrument | 9694 |
| Name | TD BK NA |
|---|---|
| Type | Bank |
| Address | LEWISTON, ME 04240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 18, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 20 COTSWOLD CIR, OCEAN, NJ 07712-2644 |
| Document Number | 0000030228 |
| Instrument Date | Apr 3, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2019 |
| Title Company | PREMIER TITLE AND ESCROW LLC, PREMIER TITLE & ESCROW LLC |
| Name | Verified Name |
|---|---|
| Address | 20 COTSWOLD CIR OCEAN NJ 077122644, OCEAN, NJ 07712-2644 |
| Document Number | 0000030228 |
|---|---|
| Date | Apr 9, 2019 |
| Book Page | 009342/007159 |
| Instrument | 30228 |
| Name | TD BK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 8, 2049 |
Source: Monmouth County and Ocean Township assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| County Subdivision | Ocean Township |
| Unified School District | Ocean Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $539,400 (+2.08%) Land $315,000 Building $224,400 | $539,400 (+2.08%) Land $315,000 Building $224,400 | |
| 2025 | $528,400 (+6.9%) Land $309,000 Building $219,400 | $528,400 (+6.9%) Land $309,000 Building $219,400 | |
| 2024 | $7,107.00 (+3.75%) | ||
| 2023 | $494,300 Land $248,000 Building $246,300 | $494,300 Land $248,000 Building $246,300 | |
| 2022 | $6,850.00 |
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 September 18, 2026 · 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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 92% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 129 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Optimum Cable · Fiber in parts of the area | 940 / 35 |
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