Cape May County and Upper Township property record for 3 Spruce Ct, Ocean View, NJ 08230
| Property Type | Single Family Home |
|---|---|
| Details | 3,348 sqft · built 2018 |
| Lot Size | 0.922 acres (40,162 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $155,000 (Apr 2018) |
| Tax Bill | $11,899 (2024) |
| Deeds & Mortgages | Apr 2022 Refinance Dec 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-00453-0000-00240-21 |
| Primary APN | 11-00453-0000-00240-21 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,348 sqft Living Area |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 40,162 sqft (0.922 acres) |
| Garage Type | Attached |
| Street Address | 3 SPRUCE CT |
|---|---|
| City | OCEAN VIEW |
| State | NJ |
| Zip | 08230-1639 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 453 |
| Legal Lot Number | 240 |
| Jurisdiction | CAPE MAY NJ |
| Township / Civil Division | MIDDLE |
| Census Block Group | 3 |
| Census Block | 3035 |
| Census Tract | 20302 |
Source: Cape May County and Upper Township records, as of June 29, 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 | 57 W KATHERINE AVE, OCEAN VIEW, NJ 08230-1126 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 1, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance FULTON BANK |
| Dec 13, 2019 | Deed of Trust, Mortgage · Conventional with PMI UNITED WHOLESALE MTG |
| Jul 9, 2018 | Deed of Trust, Mortgage CREST SVGS BK |
| Apr 30, 2018 | Grant Deed, Transfer · Conventional with PMI JOHN J GERMANIO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2018 · Amount on Record |
| Deed Sale | Apr 30, 2018 · Amount on Record |
| Deed Document Number | 201853321 |
| Deed Book / Page | 3788 / 966 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAPE MAY NJ |
| Property Address | 3 SPRUCE CT, OCEAN VIEW, NJ 08230-1639 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000011750 |
|---|---|
| Date | Apr 1, 2022 |
| Book Page | M6547/419 |
| Instrument | 2022011750 |
| Name | FULTON BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAPE MAY NJ |
| Property Address | 3 SPRUCE CT, OCEAN VIEW, NJ 08230-1639 |
| Document Number | 0061390511 |
| Instrument Date | Dec 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2020 |
| Title Company | SHORE TITLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3 SPRUCE CT OCEAN VIEW NJ 082301639, OCEAN VIEW, NJ 08230-1639 |
| Document Number | 0061390511 |
|---|---|
| Date | Dec 24, 2019 |
| Book Page | 006139/000511 |
| Instrument | 119126 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 23, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAPE MAY NJ |
| Property Address | 3 SPRUCE CT, OCEAN VIEW, NJ 08230-1639 |
| Document Number | 0059850567 |
| Instrument Date | Jul 9, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 57 W KATHERINE AVE OCEAN VIEW NJ 082301126, OCEAN VIEW, NJ 08230-1126 |
| Document Number | 0059850567 |
|---|---|
| Date | Jul 12, 2018 |
| Book Page | 005985/000567 |
| Instrument | 61531 |
| Name | CREST SVGS BK |
|---|---|
| Address | WILDWOOD, NJ 08260 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 11, 2048 |
| Rate | 5.62% |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CAPE MAY NJ |
| Recording Date | Apr 30, 2018 |
| Property Address | 3 SPRUCE CT, OCEAN VIEW, NJ 08230-1639 |
| Document Number | 0037880966 |
| Book / Page | 003788 / 000966 |
| Instrument Date | Apr 26, 2018 |
| Instrument | 53321 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2019 |
| Title Company | SHORE TITLE, SHORE TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $155.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 57 W KATHERINE AVE OCEAN VIEW NJ 082301126, OCEAN VIEW, NJ 08230-1126 |
| Document Number | 59640519 |
|---|---|
| Date | Apr 30, 2018 |
| Book Page | 005964/000519 |
| Instrument | 53322 |
| Name | JOHN J GERMANIO |
|---|---|
| Address | PO BOX 545, WOODBINE, NJ 08270-0545 |
| Special Notes | Seller Financed |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Apr 29, 2023 |
| Rate | 4.5% |
|---|
Source: Cape May County and Upper Township assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Cape May County |
| County Subdivision | Upper Township |
| Unified School District | Upper Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $518,500 (-) Land $129,400 Building $389,100 | $518,500 (-) Land $129,400 Building $389,100 | |
| 2025 | $518,500 (-) Land $129,400 Building $389,100 | $518,500 (-) Land $129,400 Building $389,100 | |
| 2024 | $11,899.00 (+8.82%) | ||
| 2023 | $518,500 Land $129,400 Building $389,100 | $518,500 Land $129,400 Building $389,100 | |
| 2022 | $10,935.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 4, 2017 · 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 5 (25% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2010) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 59% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 128 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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