307 E Atlantic Ave, Villas, NJ 08251 Property Records

Cape May County and Lower Township property record for 307 E Atlantic Ave, Villas, NJ 08251

Property Summary

Property Type	Single Family Home
Details	768 sqft · built 1986
Lot Size	0.172 acres (7,501 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (May 2026)
Tax Bill	$2,948 (2024)
Deeds & Mortgages	May 2026 Sale & Mortgage Dec 2024 Sale & Mortgage + 1 more
APN	`05-00095-0000-00067`

Property Details

APN / Parcel Number

Primary APN	`05-00095-0000-00067`
Alternative APN	`050009500067`

Interior

Stories	1 Story
Building Area	768 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Cape Cod
Construction Type	Frame
Lot Area	7,501 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide

Location & Zoning

Street Address	307 E ATLANTIC AVE
City	VILLAS
State	NJ
Zip	08251-2608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L68,69
Legal Block	95
Legal Lot Number	67
Jurisdiction	CAPE MAY NJ
Township / Civil Division	LOWER
Census Block Group	1
Census Block	1010
Census Tract	21804

Owner

307 E Atlantic Ave is owned and occupied by two individuals who bought it in May 2026.

Source: Cape May County and Lower Township records, as of August 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	307 E ATLANTIC AVE, VILLAS, NJ 08251-2608
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
May 18, 2026	Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Dec 26, 2024	Deed, Transfer · Conventional Mortgage STURDY SAVINGS BANK
Jul 31, 2019	Grant Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2026 · Amount on File
Deed Sale	May 18, 2026 · Amount on File
Prior Sale	Dec 26, 2024 · Amount on File
Deed Document Number	202697221
Deed Book / Page	4281 / 643
Record Updated	Oct 29, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CAPE MAY NJ
Recording Date	May 18, 2026
Property Address	307 E ATLANTIC AVE, VILLAS, NJ 08251-2608
Document Number	0000097221
Book / Page	4281 / 643
Instrument Date	May 18, 2026
Instrument	202697221
Transaction Type	Transfer
Record Updated	Jun 4, 2026
Title Company	SURITY TITLE, SURETY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$34,340.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 E ATLANTIC AVE, VILLAS, NJ 08251-2608

Mortgage

Document Number	0000097222,
Date	May 18, 2026
Book Page	6910/588
Instrument	202697222

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

Mortgage

Document Number	0000097223,
Date	May 18, 2026
Book Page	6910/613
Instrument	202697223

Lender

Name	NJ HOUSING AND MORTGAGE FINANCIAL AGENCY

Agreement

Amount	Amount on Record
Term	5 Months
Due	May 18, 2031

Interest

Rate	6.46%
Max Rate	-1%

December 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	CAPE MAY NJ
Recording Date	Dec 26, 2024
Property Address	307 E ATLANTIC AVE, VILLAS, NJ 08251-2608
Document Number	0000055091
Book / Page	D4202 / 318
Instrument Date	Dec 20, 2024
Instrument	2024055091
Transaction Type	Transfer
Record Updated	Oct 20, 2025
Title Company	SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8 EBB TIDE DR, BRICK, NJ 08723-5745

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 E ATLANTIC AVE, LOWER, NJ

Mortgage

Document Number	0000055092
Date	Dec 26, 2024
Instrument	2024055092

Lender

Name	STURDY SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2055

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAPE MAY NJ
Recording Date	Jul 31, 2019
Property Address	307 E ATLANTIC AVE, VILLAS, NJ 08251-2608
Document Number	0038680251
Book / Page	003868 / 000251
Instrument Date	Jul 29, 2019
Instrument	101790
Transaction Type	Transfer
Record Updated	Sep 19, 2019
Title Company	SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$155.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 E ATLANTIC AVE VILLAS NJ 082512608, VILLAS, NJ 08251-2608

Mortgage

Document Number	60880110
Date	Jul 31, 2019
Book Page	006088/000110
Instrument	101791

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2049

Mortgage

Document Number	60880128,
Date	Jul 31, 2019
Book Page	006088/000128
Instrument	101792

Lender

Name	HOUSING FIN AGCY
Address	637 S CLINTON AVE, TRENTON, NJ 08611-1811

Agreement

Amount	Amount on Record
Term	60 Months
Due	Jul 30, 2024

Tax Assessment & Valuation

Source: Cape May County and Lower Township assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Cape May County
County Subdivision	Lower Township
Secondary School District	Lower Cape May Regional School District (07 - 12)
Elementary School District	Lower Township School District (KG - 06)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$145,700 (-) Land $80,000 Building $65,700	$145,700 (-) Land $80,000 Building $65,700
2025		$145,700 Land $80,000 Building $65,700	$145,700 Land $80,000 Building $65,700
2024	$2,948.00
2023		$145,700 Land $80,000 Building $65,700	$145,700 Land $80,000 Building $65,700
2022	$2,816.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA's flood maps do not cover 307 E Atlantic Ave; there have been 22 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective October 4, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 111 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	111 in force
Nearby Flood Claims	22 (1979–2024)
Claims Outside the SFHA	3 of 22
Most Recent Claim	Jan 2024 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 8 claims Hurricane Gloria, Sep 1985 · 5 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

Wildfire risk around 307 E Atlantic Ave is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 54% of New Jersey
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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	LOWER TWP MUA serves 12,416 people · EPA ID NJ0505002
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	5 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 257 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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