Cape May County and Avalon Borough property record for 246 45th St, Avalon, NJ 08202
| Property Type | Single Family Home |
|---|---|
| Details | 2,366 sqft · built 1987 |
| Lot Size | 0.126 acres (5,502 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,300,000 (Jan 2019) |
| Tax Bill | $7,816 (2024) |
| Deeds & Mortgages | Nov 2022 Line of Credit Mar 2021 Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 01-00045-04-00054 |
| Primary APN | 01-00045-04-00054 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,366 sqft Living Area |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Construction Type | Frame |
| Lot Area | 5,502 sqft (0.126 acres) |
| Lot Dimensions | 110 ft deep x 50 ft wide |
| Street Address | 246 45TH ST |
|---|---|
| City | AVALON |
| State | NJ |
| Zip | 08202-1416 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1C |
| Legal Block | 45.4 |
| Legal Lot Number | 54 |
| Jurisdiction | CAPE MAY NJ |
| Township / Civil Division | AVALON |
| Census Block Group | 3 |
| Census Block | 3051 |
| Census Tract | 20902 |
246 45th St is owned by two individuals who bought it in January 2019.
Source: Cape May County and Avalon Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 268 MINGO RD, ROYERSFORD, PA 19468-3113 |
| 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.
| Date | Document |
|---|---|
| Nov 1, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Mar 5, 2021 | Deed of Trust, Mortgage SANTANDER BK NA |
| Aug 15, 2019 | Deed of Trust, Mortgage CITIZENS BK NA |
| Jan 18, 2019 | Grant Deed, Transfer · Line of Credit CITIZENS BK NA |
| Feb 16, 2018 | Deed of Trust, Mortgage FINANCE OF AMERICA REVERSE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 18, 2019 · Amount on File |
| Deed Sale | Jan 18, 2019 · Amount on File |
| Prior Sale | Aug 31, 1987 · Amount on File |
| Deed Document Number | 201981430 |
| Deed Book / Page | 3835 / 280 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAPE MAY NJ |
| Property Address | 246 45TH ST, AVALON, NJ 08202-1416 |
| Transaction Type | Mortgage |
| Record Updated | Nov 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000032870 |
|---|---|
| Date | Nov 1, 2022 |
| Book Page | M6604/683 |
| Instrument | 2022032870 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Dec 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAPE MAY NJ |
| Property Address | 246 45TH ST, AVALON, NJ 08202-1416 |
| Document Number | 0063510870 |
| Instrument Date | Mar 5, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2021 |
| Title Company | HISTORIC ABSTRACT |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 246 45TH ST AVALON NJ 082021416, AVALON, NJ 08202-1416 |
| Document Number | 0063510870 |
|---|---|
| Date | Mar 12, 2021 |
| Book Page | 006351/000870 |
| Instrument | 12703 |
| Name | SANTANDER BK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 11, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAPE MAY NJ |
| Property Address | 246 45TH ST, AVALON, NJ 08202-1416 |
| Document Number | 0060930153 |
| Instrument Date | Aug 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 246 45TH ST AVALON NJ 082021416, AVALON, NJ 08202-1416 |
| Document Number | 0060930153 |
|---|---|
| Date | Aug 16, 2019 |
| Book Page | 006093/000153 |
| Instrument | 103612 |
| Name | CITIZENS BK NA |
|---|---|
| Address | PROVIDENCE, RI 02903 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Aug 15, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CAPE MAY NJ |
| Recording Date | Jan 18, 2019 |
| Property Address | 246 45TH ST, AVALON, NJ 08202-1416 |
| Document Number | 0038350280 |
| Book / Page | 003835 / 000280 |
| Instrument Date | Jan 18, 2019 |
| Instrument | 81430 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2019 |
| Title Company | HISTORIC ABSTRACT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,300.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 268 MINGO RD ROYERSFORD PA 194683113, ROYERSFORD, PA 19468-3113 |
| Document Number | 60350693 |
|---|---|
| Date | Jan 18, 2019 |
| Book Page | 006035/000693 |
| Instrument | 81432 |
| Name | CITIZENS BK NA |
|---|---|
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jan 17, 2044 |
| Rate Type | Adjustable Rate |
|---|
| Document Number | 60350676, |
|---|---|
| Date | Jan 18, 2019 |
| Book Page | 006035/000676 |
| Instrument | 81431 |
| Name | CITIZENS BK NA |
|---|---|
| Address | PROVIDENCE, RI 02903 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 17, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAPE MAY NJ |
| Property Address | 246 45TH ST, AVALON, NJ 08202-1416 |
| Document Number | 0059510721 |
| Instrument Date | Feb 16, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2018 |
| Title Company | EXECUTIVE ABSTRACT TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 246 45TH ST AVALON NJ 082021416, AVALON, NJ 08202-1416 |
| Document Number | 0059510721 |
|---|---|
| Date | Mar 14, 2018 |
| Book Page | 005951/000721 |
| Instrument | 48179 |
| Name | FINANCE OF AMERICA REVERSE |
|---|---|
| Address | 8023 E 63RD PL # 700, TULSA, OK 74133-1240 |
| Amount | Amount on Record |
|---|---|
| Term | 852 Months |
| Due | Mar 13, 2089 |
Source: Cape May County and Avalon Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Cape May County |
| Municipality | Avalon Borough |
| Unified School District | Avalon Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,273,000 (-) Land $950,000 Building $323,000 | $1,273,000 (-) Land $950,000 Building $323,000 | |
| 2025 | $1,273,000 Land $950,000 Building $323,000 | $1,273,000 Land $950,000 Building $323,000 | |
| 2024 | $7,816.00 | ||
| 2023 | $1,273,000 Land $950,000 Building $323,000 | $1,273,000 Land $950,000 Building $323,000 | |
| 2022 | $7,230.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 246 45th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective October 4, 2017 · 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 | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 981 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 1,603 units insured incl. 622 condo units |
| Nearby Flood Claims | 547 (1979–2024) |
| Claims Outside the SFHA | 15 of 547 |
| Most Recent Claim | Nov 2024 |
| Claims by Event |
|
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 246 45th St 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 95% of the US · lower than 87% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | AVALON WATER AND SEWERAGE UTILITIES serves 39,839 people · EPA ID NJ0501001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 1 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 85 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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