309B Central Ave, Union Beach (Keyport), NJ 07735 Property Records

Monmouth County and Union Beach Borough property record for 309B Central Ave, Union Beach, NJ 07735

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,422 sqft · built 1995
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Individual Names on File
Last Sale	$132,000 (Sep 1995)
Tax Bill	$16,287 (2025)
Deeds & Mortgages	Jul 2021 Second Mortgage
Flood Zone	Zone AE (high risk)
APN	`1326A`

Property Details

APN / Parcel Number

Primary APN	`1326A`
Alternative APNs	`50-00148-0000-00007-01` `50001480000000070001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,422 sqft Living Area
1st Floor Area	1,788 sqft
Upper Floors Area	1,404 sqft
Basement Area	1,788 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Other
Lot Area	10,001 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	512 sqft
Porch	Open Porch
Deck Area	96 sqft
Patio Area	144 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	1326A
Street Address	309B CENTRAL AVE
City	UNION BEACH
State	NJ
Zip	07735-2943
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Subdivision	UNION GARDENS
Legal Block	148
Legal Lot Number	7.1
Jurisdiction	MONMOUTH NJ
Township / Civil Division	UNION BEACH
Census Block Group	6
Census Block	6006
Census Tract	801800

Owner

309B Central Ave is owned and occupied by two individuals who bought it in September 1995.

Source: Monmouth County and Union Beach Borough records, as of July 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	309B CENTRAL AVE, UNION BEACH, NJ 07735-2943
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 1995 · Amount on File
Deed Sale	Sep 8, 1995 · Amount on File
Deed Book / Page	5441 / 357
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	309B CENTRAL AVE, UNION BEACH, NJ 07735-2943
Transaction Type	Mortgage
Record Updated	Nov 18, 2022
Title Company	SERVICELINK TITLE ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0095256632
Date	Jul 7, 2021
Book Page	9525/6632
Instrument	2021104745

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 2, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 309B Central Ave was $16,287, up 13.6% from the year before.

Source: Monmouth County and Union Beach Borough assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
Municipality	Union Beach Borough
Unified School District	Union Beach Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$796,700 (+4.93%) Land $237,200 Building $559,500	$796,700 (+4.93%) Land $237,200 Building $559,500
2025	$16,287.00 (+13.6%)	$759,300 Land $225,700 Building $533,600	$759,300 Land $225,700 Building $533,600
2024	$14,337.00
2023		$649,600 Land $163,200 Building $486,400	$649,600 Land $163,200 Building $486,400
2022	$13,049.00

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

Flood

FEMA maps place 309B Central Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · 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	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 227 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	235 units insured incl. 8 condo units
Nearby Flood Claims	309 (1978–2012)
Claims Outside the SFHA	27 of 309
Most Recent Claim	Nov 2012 · Hurricane Sandy
Claims by Event	Hurricane Sandy, Nov 2012 · 231 claims Severe Storms And Flooding, Mar 2010 · 12 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 37 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 309B Central Ave 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 99.1% of the US · lower than 97.3% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 677 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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