Monmouth County and Middletown Township property record for 3 Oak St, Lincroft, NJ 07738
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 3,865 sqft · built 1952 |
| Lot Size | 0.932 acres (40,598 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $626,000 (Nov 2020) |
| Tax Bill | $19,592 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Nov 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-01102-0000-00001 |
| Primary APN | 32-01102-0000-00001 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 12 Rooms |
| Stories | 1 Story |
| Building Area | 3,865 sqft Living Area |
| 1st Floor Area | 3,865 sqft |
| Upper Floors Area | 840 sqft |
| Basement Area | 1,565 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 40,598 sqft (0.932 acres) |
| Lot Dimensions | 203 ft deep x 200 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
| Porch | Open Porch |
| Deck Area | 216 sqft |
| Cooling System | HVAC |
|---|---|
| Sewer | Connected |
| Account Number | 426 |
|---|---|
| Street Address | 3 OAK ST |
| City | LINCROFT |
| State | NJ |
| Zip | 07738-1818 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R30 |
| Legal Subdivision | LINCROFT ESTATES SEC A |
| Legal Block | 1102 |
| Legal Lot Number | 1 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | MIDDLETOWN |
| Census Block Group | 5 |
| Census Block | 5016 |
| Census Tract | 801500 |
3 Oak St is owned and occupied by two individuals who bought it in November 2020.
Source: Monmouth County and Middletown Township records, as of October 13, 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 | 3 OAK ST, LINCROFT, NJ 07738-1818 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GARDEN STATE HOME LOANS INC |
| Nov 12, 2020 | Grant Deed, Transfer · Conventional Mortgage OCEANFIRST BK |
| Feb 28, 2020 | Court-Ordered Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 12, 2020 · Amount on File |
| Deed Sale | Nov 12, 2020 · Amount on File |
| Prior Sale | Mar 4, 2020 · Amount on File |
| Deed Document Number | 2020134938 |
| Deed Book / Page | 9457 / 1279 |
| Prior Transfer Date | Feb 13, 2020 |
| Prior Transfer Doc | 0094008368 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 3 OAK ST, LINCROFT, NJ 07738-1818 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2022 |
| Title Company | WINTER TITLE AGENCY INC, HUNTER TITLE AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0095605071 |
|---|---|
| Date | Nov 24, 2021 |
| Book Page | 9560/5071 |
| Instrument | 2021170172 |
| Name | GARDEN STATE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | CHERRY HILL, NJ 08003 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Nov 12, 2020 |
| Property Address | 3 OAK ST, LINCROFT, NJ 07738-1818 |
| Document Number | 0000134938 |
| Book / Page | 009457 / 001279 |
| Instrument Date | Oct 14, 2020 |
| Instrument | 134938 |
| Transaction Type | Transfer |
| Record Updated | Dec 8, 2020 |
| Title Company | MORTGAGE CONNECT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $626.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 21 HEMLOCK ST HAZLET NJ 077302183, HAZLET, NJ 07730-2183 |
| Document Number | 134939 |
|---|---|
| Date | Nov 12, 2020 |
| Book Page | 009457/001285 |
| Instrument | 134939 |
| Name | OCEANFIRST BK |
|---|---|
| Type | Bank |
| Address | TOMS RIVER, NJ 08753 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 11, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Document Type | Court-Ordered Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Feb 28, 2020 |
| Property Address | 3 OAK ST, LINCROFT, NJ 07738-1818 |
| Document Number | 0000025378 |
| Book / Page | 009400 / 008368 |
| Instrument Date | Feb 13, 2020 |
| Instrument | 25378 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 24, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $1.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 OAK ST LINCROFT NJ 077381818, LINCROFT, NJ 07738-1818 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 3 Oak St was $19,592, up 10.9% from the year before.
Source: Monmouth County and Middletown Township assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| County Subdivision | Middletown Township |
| Unified School District | Middletown Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,315,000 (+8.33%) Land $650,800 Building $664,200 | $1,315,000 (+8.33%) Land $650,800 Building $664,200 | |
| 2025 | $19,592.00 (+10.91%) | $1,213,900 Land $573,600 Building $640,300 | $1,213,900 Land $573,600 Building $640,300 |
| 2024 | $17,664.00 | ||
| 2023 | $909,200 Land $299,200 Building $610,000 | $909,200 Land $299,200 Building $610,000 | |
| 2022 | $16,839.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Oak St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2011.
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 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 5 (2011–2014) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Apr 2014 · rainfall accumulation |
| 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 3 Oak St is low, with a 0.02% 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 | 0.02% 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 179 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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