Monmouth County and Ocean Township property record for 23 Cutter Dr, Ocean, NJ 07712
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,860 sqft · built 1962 |
| Lot Size | 0.275 acres (11,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $172,000 (Sep 1992) |
| Tax Bill | $8,717 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 37-00038-0000-00012 |
| Primary APN | 37-00038-0000-00012 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,860 sqft Living Area |
| 1st Floor Area | 1,152 sqft |
| Upper Floors Area | 1,236 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 11,970 sqft (0.275 acres) |
| Lot Dimensions | 114 ft deep x 105 ft wide |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 400 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 23 CUTTER DR |
|---|---|
| City | OCEAN |
| State | NJ |
| Zip | 07712-3225 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF20 |
| Legal Block | 38 |
| Legal Lot Number | 12 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | OCEAN |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 806503 |
23 Cutter Dr is owned and occupied by two individuals who bought it in September 1992.
Source: Monmouth County and Ocean Township records, as of July 9, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 23 CUTTER DR, OCEAN, NJ 07712-3225 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 14, 1992 · Amount on File |
| Deed Sale | Sep 14, 1992 · Amount on File |
| Deed Book / Page | 5170 / 598 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 23 Cutter Dr was $8,717, up 10.1% from the year before.
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 | $684,900 (+6.3%) Land $464,500 Building $220,400 | $684,900 (+6.3%) Land $464,500 Building $220,400 | |
| 2025 | $8,717.00 (+10.06%) | $644,300 Land $464,500 Building $179,800 | $644,300 Land $464,500 Building $179,800 |
| 2024 | $7,920.00 | ||
| 2023 | $550,500 Land $379,600 Building $170,900 | $550,500 Land $379,600 Building $170,900 | |
| 2022 | $8,266.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 23 Cutter Dr in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1992.
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 | 8 in force |
| Nearby Flood Claims | 8 (1992–2023) |
| Claims Outside the SFHA | 3 of 8 |
| Most Recent Claim | Aug 2023 · rainfall accumulation |
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 23 Cutter Dr is low, with less than 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 98% of the US · lower than 94% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 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.
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 285 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| Optimum Cable · Fiber in parts of the area | 940 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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