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232 W 15th St, Ship Bottom (Beach Haven), NJ 08008 Property Records

Ocean County and Ship Bottom Borough property record for 232 W 15th St, Ship Bottom, NJ 08008

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,224 sqft · built 1956
Lot Size0.138 acres (5,998 sqft)
Owner2 Individual Names on File
Tax Bill$5,962 (2025)
Deeds & MortgagesMar 2026 Line of Credit
Sep 2023 Transfer
Flood ZoneZone AE (high risk)
APN29-00069-0000-00012

Property Details

APN / Parcel Number

Primary APN29-00069-0000-00012
Alternative APN
  • 290006900012

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,224 sqft Living Area

Exterior

Year BuiltBuilt 1956
Effective Year BuiltEffective 1956
Architectural StyleCape Cod
Construction TypeFrame
Roof TypeGable
Roof MaterialAsbestos
Lot Area5,998 sqft (0.138 acres)
Lot Dimensions100 ft deep x 60 ft wide
Garage TypeDetached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemBaseboard
Heating FuelElectric

Location & Zoning

Street Address232 W 15TH ST
CitySHIP BOTTOM
StateNJ
Zip08008-4451
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal Description60X100
Legal Block69
Legal Lot Number12
JurisdictionOCEAN NJ
Township / Civil DivisionSHIP BOTTOM
Census Block Group2
Census Block2012
Census Tract739000

Owner

232 W 15th St is owned and occupied by two individuals who acquired it in September 2023.

Source: Ocean County and Ship Bottom Borough records, as of July 7, 2026

Owner of Record2 Individual Names on File
Mailing Address232 W 15TH ST, SHIP BOTTOM, NJ 08008-4451
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Mar 2, 2026Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA NA
Sep 15, 2023Intrafamily Transfer, Transfer
AMERICAN ABSTRACT CORPORATION, AMERICAN ABSTRACT AGENCY LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateSep 8, 2023
Transfer Doc0194860516
Record UpdatedSep 20, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOCEAN NJ
Property Address232 W 15TH ST, SHIP BOTTOM, NJ 08008-4451
Transaction TypeMortgage
Record UpdatedMar 18, 2026
Title CompanyTITLE365 COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0202981626
DateMar 2, 2026
Book Page20298/1626
Instrument2026016302
Lender
NameBANK OF AMERICA NA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeLine of Credit
AmountAmount on Record
Term359 Months
DueFeb 17, 2056
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

September 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOCEAN NJ
Recording DateSep 15, 2023
Property Address232 W 15TH ST, SHIP BOTTOM, NJ 08008-4451
Document Number0194860516
Book / Page19486 / 516
Instrument DateSep 8, 2023
Instrument2023069638
Transaction TypeTransfer
Record UpdatedSep 28, 2023
Title CompanyAMERICAN ABSTRACT CORPORATION, AMERICAN ABSTRACT AGENCY LLC

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address232 W 15TH ST, SHIP BOTTOM, NJ 08008-4451

Transferred To (Grantee/Buyer)

NameVerified Name
Address232 W 15TH ST, SHIP BOTTOM, NJ 08008-4451

Tax Assessment & Valuation

The 2025 property tax bill for 232 W 15th St was $5,962, up 3% from the year before.

Source: Ocean County and Ship Bottom Borough assessment roll, as of July 7, 2026

Property Jurisdictions

TypeName
StateNew Jersey
CountyOcean County
MunicipalityShip Bottom Borough
Elementary School DistrictLong Beach Island School District (KG - 06)
Secondary School DistrictSouthern Regional School District (07 - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$461,300 (-3.98%) Land $350,000 Building $111,300$461,300 (-3.98%) Land $350,000 Building $111,300
2025$5,962.00 (+3.01%)$480,400 Land $350,000 Building $130,400$480,400 Land $350,000 Building $130,400
2024$5,788.00
2023$480,400 (-) Land $350,000 Building $130,400$480,400 (-) Land $350,000 Building $130,400
2022$5,087.00$480,400 Land $350,000 Building $130,400$480,400 Land $350,000 Building $130,400

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

Flood

FEMA maps place 232 W 15th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 16, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation7.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 376 individual policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies416 units insured
incl. 40 condo units
Nearby Flood Claims784 (1979–2025)
Claims Outside the SFHA1 of 784
Most Recent ClaimOct 2025 · tidal / storm surge
Claims by Event
  • Hurricane Sandy, Nov 2012 · 527 claims
  • Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 163 claims
  • Coastal Storms & Flooding, Mar 1984 · 10 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 232 W 15th St 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 RiskNot rated
no burnable land within 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 SystemSHIP BOTTOM WATER DEPART
serves 15,000 people · EPA ID NJ1528001
Water SourceGroundwater
Last State InspectionOct 2025
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 545 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		1,000 / 75
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

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