2320 Central Ave, Ship Bottom (Beach Haven), NJ 08008 Property Records

Ocean County and Ship Bottom Borough property record for 2320 Central Ave, Ship Bottom, NJ 08008

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,188 sqft · built 2024
Lot Size	0.074 acres (3,202 sqft)
Owner	2 Individual Names on Record
Last Sale	$900,000 (May 2023)
Tax Bill	$13,136 (2025)
Deeds & Mortgages	Nov 2023 Construction Loan Jan 2025 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`29-00031-0000-00011`

Property Details

APN / Parcel Number

Primary APN	`29-00031-0000-00011`
Alternative APN	`290003100011`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,188 sqft Living Area
Gross Area	3,014 sqft
Basement Area	1,826 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Raised Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asbestos
Lot Area	3,202 sqft (0.074 acres)
Lot Dimensions	80 ft deep x 40 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	2320 CENTRAL AVE
City	SHIP BOTTOM
State	NJ
Zip	08008-4313
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR
Legal Description	40X80
Legal Subdivision	ARLINGTON BEACH CO
Legal Block	31
Legal Lot Number	11
Jurisdiction	OCEAN NJ
Township / Civil Division	SHIP BOTTOM
Census Block Group	2
Census Block	2042
Census Tract	739000

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	20 SKYWOOD CT, YONKERS, NY 10710-1110
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2023	Deed of Trust, Mortgage · Construction Mortgage CITIZENS BANK NA
Jan 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 24, 2023	Re-recorded Document UNIVERSITY TITLE INSURANCE AGENCY INC, UNIVERSITY TITLE INS AGCY
Apr 21, 2023	Deed, Transfer · Conventional Mortgage VALLEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2023 · Amount on Record
Deed Sale	May 24, 2023 · Amount on Record
Prior Sale	Apr 21, 2023 · Amount on Record
Deed Document Number	202339185
Deed Book / Page	19388 / 121
Prior Transfer Date	Mar 20, 2023
Prior Transfer Doc	0193880121
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Property Address	2320 CENTRAL AVE, SHIP BOTTOM, NJ 08008-4313
Transaction Type	Mortgage
Record Updated	Nov 4, 2025
Title Company	UNIVERSITY TITLE INSURANCE AGENCY INC, UNIVERSITY TITLE INS AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 SKYWOOD CT, YONKERS, NY 10710-1110

Mortgage

Document Number	0195341272
Date	Nov 9, 2023
Book Page	19534/1272
Instrument	2023084712

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.37%
Type Change Date	Nov 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	12.3%
Index	SOFR Average 30-Day
Max Rate	12.3%

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Property Address	2320 CENTRAL AVE, SHIP BOTTOM, NJ 08008-4313
Transaction Type	Mortgage
Record Updated	Nov 4, 2025
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 SKYWOOD CT, YONKERS, NY 10710-1110

Mortgage

Document Number	0198991213
Date	Jan 10, 2025
Book Page	19899/1213
Instrument	2025002673

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Oct 1, 2054

May 2023: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	OCEAN NJ
Recording Date	May 24, 2023
Property Address	2320 CENTRAL AVE, SHIP BOTTOM, NJ 08008-4313
Document Number	0193880121
Book / Page	19388 / 121
Instrument Date	Mar 30, 2023
Instrument	2023039185
Record Updated	Nov 4, 2025
Title Company	UNIVERSITY TITLE INSURANCE AGENCY INC, UNIVERSITY TITLE INS AGCY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2320 CENTRAL AVE, SHIP BOTTOM, NJ 08008-4313

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2320 CENTRAL AVE, SHIP BOTTOM, NJ 08008-4313

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	OCEAN NJ
Recording Date	Apr 21, 2023
Property Address	2320 CENTRAL AVE, SHIP BOTTOM, NJ 08008-4313
Document Number	0193580082
Book / Page	19358 / 82
Instrument Date	Mar 20, 2023
Instrument	2023029843
Transaction Type	Transfer
Record Updated	Nov 4, 2025
Title Company	UNIVERSITY TITLE INSURANCE AGENCY INC, UNIVERSITY TITLE INS AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,415.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	300 ASH RD, TUCKERTON, NJ 08087-1402

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 SKYWOOD CT, YONKERS, NY 10710-1110

Mortgage

Document Number	2023029844
Date	Apr 21, 2023
Instrument	2023029844

Lender

Name	VALLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	May 1, 2028
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	1-Year T-Bill
Max Rate	11.2%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New Jersey
County	Ocean County
Municipality	Ship Bottom Borough
Elementary School District	Long Beach Island School District (KG - 06)
Secondary School District	Southern Regional School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,079,600 (+1.99%) Land $266,800 Building $812,800	$1,079,600 (+1.99%) Land $266,800 Building $812,800
2025	$13,136.00 (+3%)	$1,058,500 (+127.05%) Land $266,800 Building $791,700	$1,058,500 (+127.05%) Land $266,800 Building $791,700
2024	$12,754.00 (+158.34%)
2023		$466,200 Land $266,800 Building $199,400	$466,200 Land $266,800 Building $199,400
2022	$4,937.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 16, 2022 · 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	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 376 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	416 units insured incl. 40 condo units
Nearby Flood Claims	784 (1979–2025)
Claims Outside the SFHA	1 of 784
Most Recent Claim	Oct 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

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.

Drinking Water

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

Water System	SHIP BOTTOM WATER DEPART serves 15,000 people · EPA ID NJ1528001
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 607 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless · Fiber in parts of the area	1,000 / 75
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Optimum.

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