320 Oak Ln, Cape May, NJ 08204 Property Records

Cape May County and Lower Township property record for 320 Oak Ln, Cape May, NJ 08204

Property Summary

Property Type	Single Family Home
Details	1,580 sqft · built 1988
Lot Size	0.287 acres (12,502 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (Jan 2021)
Tax Bill	$4,680 (2024)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Sep 2017 Mortgage
APN	`05-00463-0000-00011`

Property Details

APN / Parcel Number

Primary APN	`05-00463-0000-00011`
Alternative APN	`050046300011`

Interior

Stories	1 Story
Building Area	1,580 sqft Living Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Ranch
Construction Type	Frame
Lot Area	12,502 sqft (0.287 acres)
Lot Dimensions	100 ft deep x 125 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	320 OAK LN
City	CAPE MAY
State	NJ
Zip	08204-4914
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L12,13.01
Legal Block	463
Legal Lot Number	11
Jurisdiction	CAPE MAY NJ
Township / Civil Division	LOWER
Census Block Group	2
Census Block	2011
Census Tract	21702

Owner

Source: Cape May County and Lower 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	Individual Name on Record
Mailing Address	320 OAK LN, CAPE MAY, NJ 08204-4914
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2021	Grant Deed, Transfer · Conventional with PMI DRAPER & KRAMER MTG
Sep 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 8, 2021 · Amount on Record
Deed Sale	Jan 8, 2021 · Amount on Record
Prior Sale	Aug 22, 2001 · Amount on Record
Deed Document Number	20211208
Deed Book / Page	3957 / 213
Record Updated	Sep 20, 2026

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAPE MAY NJ
Recording Date	Jan 8, 2021
Property Address	320 OAK LN, CAPE MAY, NJ 08204-4914
Document Number	0039570213
Book / Page	003957 / 000213
Instrument Date	Dec 28, 2020
Instrument	1208
Transaction Type	Transfer
Record Updated	Jan 21, 2021
Title Company	TITLE COMPANY/JERSEY, TITLE CO/JERSEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$305.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 MATHEMEK ST CAPE MAY NJ 082043744, CAPE MAY, NJ 08204-3744

Mortgage

Document Number	63100080
Date	Jan 8, 2021
Book Page	006310/000080
Instrument	1209

Lender

Name	DRAPER & KRAMER MTG
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 7, 2051

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAPE MAY NJ
Property Address	320 OAK LN, CAPE MAY, NJ 08204-4914
Document Number	0059050009
Instrument Date	Sep 19, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	320 OAK LN CAPE MAY NJ 082044914, CAPE MAY, NJ 08204-4914

Mortgage

Document Number	0059050009
Date	Sep 28, 2017
Book Page	005905/000009
Instrument	30069

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2047

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		$230,000 (-) Land $93,000 Building $137,000	$230,000 (-) Land $93,000 Building $137,000
2025		$230,000 (-) Land $93,000 Building $137,000	$230,000 (-) Land $93,000 Building $137,000
2024	$4,680.00 (+4.74%)
2023		$230,000 (-) Land $93,000 Building $137,000	$230,000 (-) Land $93,000 Building $137,000
2022	$4,468.00 (+3.33%)	$230,000 Land $93,000 Building $137,000	$230,000 Land $93,000 Building $137,000
2021	$4,324.00

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

Flood

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	2 (2010–2012)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2012 · Hurricane Sandy

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

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

Wildfire Risk	Low lower than 66% of the US · above 52% of New Jersey
Wildfire Likelihood	0.02% 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 318 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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