Cape May County and West Cape May Borough property record for 315 Third Ave, Cape May, NJ 08204
| Property Type | Single Family Home |
|---|---|
| Details | 2,136 sqft · built 1982 |
| Lot Size | 0.258 acres (11,252 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $497,000 (Nov 2005) |
| Tax Bill | $7,181 (2024) |
| Deeds & Mortgages | Jun 2020 Mortgage Jun 2018 Line of Credit + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 12-00044-0000-00004 |
| Primary APN | 12-00044-0000-00004 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,136 sqft Living Area |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Construction Type | Frame |
| Lot Area | 11,252 sqft (0.258 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Street Address | 315 THIRD AVE |
|---|---|
| City | CAPE MAY |
| State | NJ |
| Zip | 08204-1054 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OLD B47 L4 & PT.L3 |
| Legal Block | 44 |
| Legal Lot Number | 4 |
| Jurisdiction | CAPE MAY NJ |
| Township / Civil Division | WEST CAPE MAY |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 21900 |
Source: Cape May County and West Cape May Borough 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 | 315 THIRD AVE, CAPE MAY, NJ 08204-1054 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK NA |
| Jun 1, 2018 | Deed of Trust, Mortgage · Line of Credit OCEANFIRST BK |
| Apr 28, 2017 | Deed of Trust, Mortgage · Conventional Mortgage UNIVERSAL AMERICAN MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 1, 2005 · Amount on Record |
| Deed Sale | Nov 1, 2005 · Amount on Record |
| Deed Document Number | 200559 |
| Deed Book / Page | 3195 / 669 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAPE MAY NJ |
| Property Address | 315 THIRD AVE, CAPE MAY, NJ 08204-1054 |
| Document Number | 0062100639 |
| Instrument Date | Jun 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2020 |
| Title Company | GERMANTOWN TITLE COMPANY, GERMANTOWN TITLE CO. |
| Name | Verified Name |
|---|---|
| Address | 315 THIRD AVE WEST CAPE MAY NJ 082041054, WEST CAPE MAY, NJ 08204-1054 |
| Document Number | 0062100639 |
|---|---|
| Date | Jul 14, 2020 |
| Book Page | 006210/000639 |
| Instrument | 21104 |
| Name | CITIZENS BK NA |
|---|---|
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 13, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAPE MAY NJ |
| Property Address | 315 THIRD AVE, CAPE MAY, NJ 08204-1054 |
| Document Number | 0059750718 |
| Instrument Date | Jun 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 27, 2018 |
| Name | Verified Name |
|---|---|
| Address | 315 THIRD AVE WEST CAPE MAY NJ 082041054, WEST CAPE MAY, NJ 08204-1054 |
| Document Number | 0059750718 |
|---|---|
| Date | Jun 7, 2018 |
| Book Page | 005975/000718 |
| Instrument | 57655 |
| Name | OCEANFIRST BK |
|---|---|
| Type | Bank |
| Address | TOMS RIVER, NJ 08754-2009 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 6, 2038 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAPE MAY NJ |
| Property Address | 315 THIRD AVE, CAPE MAY, NJ 08204-1054 |
| Document Number | 0058640479 |
| Instrument Date | Apr 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2018 |
| Title Company | DIAMOND SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 315 THIRD AVE WEST CAPE MAY NJ 082041054, WEST CAPE MAY, NJ 08204-1054 |
| Document Number | 0058640479 |
|---|---|
| Date | May 6, 2017 |
| Book Page | 005864/000479 |
| Instrument | 13901 |
| Name | UNIVERSAL AMERICAN MTG |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33172-3139 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 5, 2037 |
Source: Cape May County and West Cape May Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Cape May County |
| Municipality | West Cape May Borough |
| Secondary School District | Lower Cape May Regional School District (07 - 12) |
| Elementary School District | West Cape May Borough School District (KG - 06) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $477,500 (-) Land $290,000 Building $187,500 | $477,500 (-) Land $290,000 Building $187,500 | |
| 2025 | $477,500 (-) Land $290,000 Building $187,500 | $477,500 (-) Land $290,000 Building $187,500 | |
| 2024 | $7,181.00 (+10.99%) | ||
| 2023 | $477,500 Land $290,000 Building $187,500 | $477,500 Land $290,000 Building $187,500 | |
| 2022 | $6,470.00 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 7.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 213 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 274 units insured incl. 61 condo units |
| Nearby Flood Claims | 98 (1978–2023) |
| Claims Outside the SFHA | 10 of 98 |
| Most Recent Claim | Dec 2023 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 | WEST CAPE MAY WATER DEPT serves 4,427 people · EPA ID NJ0512001 |
|---|---|
| Water Source | Purchased groundwater from CAPE MAY WATER & SEWER U |
| Last State Inspection | Aug 2024 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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 303 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless · Fiber in parts of the area | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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