224 Bay Ave, Villas, NJ 08251 Property Records

Cape May County and Lower Township property record for 224 Bay Ave, Villas, NJ 08251

Property Summary

Property Type	Single Family Home
Lot Size	0.172 acres (7,501 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Feb 2022)
Tax Bill	$1,821 (2024)
Deeds & Mortgages	Mar 2019 Mortgage
APN	`05-00116-0000-00016`

Property Details

APN / Parcel Number

Primary APN	`05-00116-0000-00016`
Alternative APN	`050011600016`

Exterior

Lot Area	7,501 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide

Location & Zoning

Street Address	224 BAY AVE
City	OCEAN CITY
State	NJ
Zip	08226-4124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L17,18
Legal Block	116
Legal Lot Number	16
Jurisdiction	CAPE MAY NJ
Township / Civil Division	LOWER
Census Block Group	3
Census Block	3005
Census Tract	21804

Owner

224 Bay Ave is owned by two individuals who bought it in February 2022.

Source: Cape May County and Lower Township records, as of June 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	35 GERDES AVE, VERONA, NJ 07044-1438
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2022 · Amount on File
Deed Sale	Feb 2, 2022 · Amount on File
Prior Sale	Apr 5, 2018 · Amount on File
Deed Document Number	20224065
Deed Book / Page	4037 / 428
Record Updated	Sep 20, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAPE MAY NJ
Property Address	224 BAY AVE, VILLAS, NJ 08251-2722
Document Number	0060470973
Instrument Date	Mar 7, 2019
Transaction Type	Mortgage
Record Updated	Mar 29, 2019
Title Company	CREATE LAND TRANSFER SOLUTIONS

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	139 HIGHSPIRE RD RICHBORO PA 189541913, RICHBORO, PA 18954-1913

Mortgage

Document Number	0060470973
Date	Mar 12, 2019
Book Page	006047/000973
Instrument	86369

Lender

Name	BERKSHIRE BK
Type	Bank
Address	PITTSFIELD, MA 01201

Agreement

Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Cape May County and Lower Township assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Cape May County
County Subdivision	Lower Township
Secondary School District	Lower Cape May Regional School District (07 - 12)
Elementary School District	Lower Township School District (KG - 06)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$90,000 (-) Land $90,000	$90,000 (-) Land $90,000
2025		$90,000 Land $90,000	$90,000 Land $90,000
2024	$1,821.00
2023		$90,000 Land $90,000	$90,000 Land $90,000
2022	$1,739.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA's flood maps do not cover 224 Bay Ave; there have been 24 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective October 4, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 77 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	77 in force
Nearby Flood Claims	24 (1979–2018)
Most Recent Claim	Oct 2018 · other causes
Claims by Event	Hurricane Sandy, Oct 2012 · 8 claims Severe Storms And Flooding, Mar 2010 · 3 claims Hurricane Gloria, Sep 1985 · 2 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

Wildfire risk around 224 Bay Ave is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LOWER TWP MUA serves 12,416 people · EPA ID NJ0505002
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	5 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 532 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20