221 Central Ave, Union Beach (Keyport), NJ 07735 Property Records

Monmouth County and Union Beach Borough property record for 221 Central Ave, Union Beach, NJ 07735

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,138 sqft · built 1965
Lot Size	0.402 acres (17,498 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Nov 2010)
Tax Bill	$13,183 (2025)
Deeds & Mortgages	Sep 2022 Second Mortgage Mar 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`50-00144-0000-00012`

Property Details

APN / Parcel Number

Primary APN	`50-00144-0000-00012`
Alternative APNs	`500014400012` `1304`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,138 sqft Living Area
1st Floor Area	1,032 sqft
Upper Floors Area	1,106 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Other
Lot Area	17,498 sqft (0.402 acres)
Lot Dimensions	100 ft deep x 175 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Deck Area	993 sqft
Patio Area	120 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Connected

Location & Zoning

Account Number	1304
Street Address	221 CENTRAL AVE
City	UNION BEACH
State	NJ
Zip	07735-2941
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	LOT 13 AND LOT 14, RAISED RANCHER
Legal Subdivision	UNION BEACH BOROUGH
Legal Block	144
Legal Lot Number	12
Jurisdiction	MONMOUTH NJ
Township / Civil Division	UNION BEACH
Census Block Group	6
Census Block	6014
Census Tract	801800

Owner

221 Central Ave is owned and occupied by an individual who bought it in November 2010.

Source: Monmouth County and Union Beach Borough records, as of July 9, 2026

Owner of Record	Individual Name on File
Mailing Address	221 CENTRAL AVE, UNION BEACH, NJ 07735-2941
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
Sep 27, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Mar 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2010 · Amount on File
Deed Sale	Nov 16, 2010 · Amount on File
Deed Document Number	2010109536
Deed Book / Page	8862 / 3050
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	221 CENTRAL AVE, UNION BEACH, NJ 07735-2941
Transaction Type	Mortgage
Record Updated	Oct 13, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0096171924
Date	Sep 27, 2022
Book Page	9617/1924
Instrument	2022097754

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2037

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	221 CENTRAL AVE, UNION BEACH, NJ 07735-2941
Transaction Type	Mortgage
Record Updated	Aug 18, 2022
Title Company	EXPERT TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0094930490
Date	Mar 22, 2021
Book Page	9493/490
Instrument	2021044913

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 221 Central Ave was $13,183, up 15.8% from the year before.

Source: Monmouth County and Union Beach Borough assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
Municipality	Union Beach Borough
Unified School District	Union Beach Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$645,300 (+5%) Land $312,200 Building $333,100	$645,300 (+5%) Land $312,200 Building $333,100
2025	$13,183.00 (+15.82%)	$614,600 Land $297,000 Building $317,600	$614,600 Land $297,000 Building $317,600
2024	$11,382.00
2023		$510,500 Land $217,300 Building $293,200	$510,500 Land $217,300 Building $293,200
2022	$10,034.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 221 Central Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · 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	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 227 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	235 units insured incl. 8 condo units
Nearby Flood Claims	309 (1978–2012)
Claims Outside the SFHA	27 of 309
Most Recent Claim	Nov 2012 · Hurricane Sandy
Claims by Event	Hurricane Sandy, Nov 2012 · 231 claims Severe Storms And Flooding, Mar 2010 · 12 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 37 claims

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

The area around 221 Central Ave 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 677 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	2,300 / 2,300
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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