31 Ocean Ave, North Middletown (Middletown), NJ 07748 Property Records

Monmouth County and Middletown Township property record for 31 Ocean Ave, North Middletown, NJ 07748

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,780 sqft · built 2015
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Jan 2026)
Tax Bill	$8,277 (2025)
Deeds & Mortgages	May 2024 Mortgage Oct 2023 Construction Loan + 2 more
Flood Zone	Zone AE (high risk)
APN	`32-00004-0000-00013`

Property Details

APN / Parcel Number

Primary APN	`32-00004-0000-00013`
Alternative APNs	`320000400013` `641`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Building Area	1,780 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Location & Zoning

Account Number	641
Street Address	31 OCEAN AVE
City	NORTH MIDDLETOWN
State	NJ
Zip	07748-5644
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B1
Legal Block	4
Legal Lot Number	13
Jurisdiction	MONMOUTH NJ
Township / Civil Division	MIDDLETOWN
Census Block Group	4
Census Block	4006
Census Tract	800601

Owner

31 Ocean Ave is owned and occupied by two individuals who bought it in January 2026.

Source: Monmouth County and Middletown Township records, as of July 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	31 OCEAN AVE, NORTH MIDDLETOWN, NJ 07748-5644
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His 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 9, 2024	Deed of Trust, Mortgage · Stand-Alone First Mortgage FIRST PLATINUM CAPITAL CORP
Oct 27, 2023	Deed of Trust, Mortgage · Construction Mortgage FIRST PLATINUM CAPITAL CORP
Jan 27, 2026	Deed, Transfer · Conventional Mortgage CITIBANK NA
May 23, 2023	Deed, Transfer · Stand-Alone First Mortgage FIRST PLATINUM CAPITAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2026 · Amount on File
Deed Sale	Jan 27, 2026 · Amount on File
Prior Sale	May 23, 2023 · Amount on File
Deed Document Number	20267703
Deed Book / Page	9776 / 8643
Record Updated	Sep 20, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	31 OCEAN AVE, NORTH MIDDLETOWN, NJ 07748-5644
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	QUALITY TITLE COMPANY, QUALITY TTL & ABSTRACT AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 WELLINGTON CT, MANALAPAN, NJ 07726-3260

Mortgage

Document Number	0096877250
Date	May 9, 2024
Book Page	9687/7250
Instrument	2024031095

Lender

Name	FIRST PLATINUM CAPITAL CORP
Type	Non-Lending Institution
Address	BOCA RATON, FL 33496

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	31 OCEAN AVE, NORTH MIDDLETOWN, NJ 07748-5644
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	TRIDENT ABSTRACT TITLE AGENCY LLC, TRIDENT ABSTRACT TTL AGCY LL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 WELLINGTON CT, MANALAPAN, NJ 07726-3260

Mortgage

Document Number	0096653964
Date	Oct 27, 2023
Book Page	9665/3964
Instrument	2023075186

Lender

Name	FIRST PLATINUM CAPITAL CORP
Type	Non-Lending Institution
Address	BOCA RATON, FL 33496

Agreement

Type	Construction Mortgage
Amount	Amount on Record

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Jan 27, 2026
Property Address	31 OCEAN AVE, NORTH MIDDLETOWN, NJ 07748-5644
Document Number	0097768643
Book / Page	9776 / 8643
Instrument Date	Jan 23, 2026
Instrument	2026007703
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	FOUNDATION TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,715.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	296 PRINCETON AVE, BRICK, NJ 08724-4471

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 OCEAN AVE, NORTH MIDDLETOWN, NJ 07748-5644

Mortgage

Document Number	2026007704
Date	Jan 27, 2026
Instrument	2026007704

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MONMOUTH NJ
Recording Date	May 23, 2023
Property Address	31 OCEAN AVE, NORTH MIDDLETOWN, NJ 07748-5644
Document Number	0096456634
Book / Page	9645 / 6634
Instrument Date	Mar 7, 2023
Instrument	2023035278
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	TRIDENT ABSTRACT TITLE AGENCY LLC, TRIDENT ABSTRACT TTL AGCY LL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,435.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	201 MAIN ST, ALLENHURST, NJ 07711-1146

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 OCEAN AVE, NORTH MIDDLETOWN, NJ 07748-5644

Mortgage

Document Number	2023035279
Date	May 23, 2023
Instrument	2023035279

Lender

Name	FIRST PLATINUM CAPITAL CORP
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	36 Months
Due	May 1, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 31 Ocean Ave was $8,277, up 1.6% from the year before.

Source: Monmouth County and Middletown Township assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
County Subdivision	Middletown Township
Unified School District	Middletown Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$579,400 (+12.99%) Land $295,000 Building $284,400	$579,400 (+12.99%) Land $295,000 Building $284,400
2025	$8,277.00 (+1.61%)	$512,800 Land $250,000 Building $262,800	$512,800 Land $250,000 Building $262,800
2024	$8,146.00
2023		$424,800 Land $170,000 Building $254,800	$424,800 Land $170,000 Building $254,800
2022	$6,972.00

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

Flood

FEMA maps place 31 Ocean 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 187 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	187 in force
Nearby Flood Claims	30 (1988–2025)
Claims Outside the SFHA	16 of 30
Most Recent Claim	Aug 2025 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 20 claims Hurricane Irene, Aug 2011 · 3 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

The area around 31 Ocean Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 927 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Optimum.

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