Ocean County and Lacey Township property record for 321 Cedar Ave, Lanoka Harbor, NJ 08734
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,954 sqft · built 1975 |
| Lot Size | 0.528 acres (23,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $259,000 (Feb 2020) |
| Tax Bill | $6,690 (2025) |
| Deeds & Mortgages | Oct 2019 Line of Credit Feb 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-01635-0000-00003 |
| Primary APN | 13-01635-0000-00003 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,954 sqft Living Area |
| 1st Floor Area | 1,954 sqft |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asbestos |
| Lot Area | 23,000 sqft (0.528 acres) |
| Lot Dimensions | 230 ft deep x 100 ft wide |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | 00118968 |
|---|---|
| Street Address | 321 CEDAR AVE |
| City | LANOKA HARBOR |
| State | NJ |
| Zip | 08734-1702 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R100 |
| Legal Description | 100 X 230 |
| Legal Block | 1635 |
| Legal Lot Number | 3 |
| Jurisdiction | OCEAN NJ |
| Township / Civil Division | LACEY |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 732001 |
321 Cedar Ave is owned and occupied by an individual who bought it in February 2020.
Source: Ocean County and Lacey Township records, as of July 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 321 CEDAR AVE, LANOKA HARBOR, NJ 08734-1702 |
| 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.
| Date | Document |
|---|---|
| Oct 22, 2019 | Deed of Trust, Mortgage · Line of Credit INVESTORS BANK |
| Feb 10, 2020 | Bargain and Sale Deed, Transfer · FHA Mortgage ADVISORS MORTGAGE GROUP LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 10, 2020 · Amount on File |
| Deed Sale | Feb 10, 2020 · Amount on File |
| Deed Document Number | 202014908 |
| Deed Book / Page | 17783 / 1 |
| Prior Transfer Date | Feb 12, 2007 |
| Prior Transfer Doc | 0135250858 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OCEAN NJ |
| Property Address | 321 CEDAR AVE, LANOKA HARBOR, NJ 08734-1702 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0176511537 |
|---|---|
| Date | Oct 22, 2019 |
| Book Page | 17651/1537 |
| Instrument | 2019106054 |
| Name | INVESTORS BANK |
|---|---|
| Type | Bank |
| Address | ISELIN, NJ 08830 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Oct 10, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | OCEAN NJ |
| Recording Date | Feb 10, 2020 |
| Property Address | 321 CEDAR AVE, LANOKA HARBOR, NJ 08734-1702 |
| Document Number | 0177830001 |
| Book / Page | 17783 / 0001 |
| Instrument Date | Jan 29, 2020 |
| Instrument | 2020014908 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2021 |
| Title Company | TRIDENT ABSTRACT TTL AGCY LL |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,395.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 418 EDWARD ST, 418, PHILLIPSBURG, NJ 08865-1984 |
| Name | Verified Name |
|---|---|
| Address | 321 CEDAR AVE, LANOKA HARBOR, NJ 08734-1702 |
| Document Number | 2020014909 |
|---|---|
| Date | Feb 10, 2020 |
| Instrument | 2020014909 |
| Name | ADVISORS MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
The 2025 property tax bill for 321 Cedar Ave was $6,690, up 7.9% from the year before.
Source: Ocean County and Lacey Township assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Ocean County |
| County Subdivision | Lacey Township |
| Unified School District | Lacey Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $244,600 (-) Land $94,500 Building $150,100 | $244,600 (-) Land $94,500 Building $150,100 | |
| 2025 | $6,690.00 (+7.94%) | $244,600 Land $94,500 Building $150,100 | $244,600 Land $94,500 Building $150,100 |
| 2024 | $6,198.00 | ||
| 2023 | $244,600 Land $94,500 Building $150,100 | $244,600 Land $94,500 Building $150,100 | |
| 2022 | $5,535.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 321 Cedar Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective March 16, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 4 in force |
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 risk around 321 Cedar 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 93% of the US · lower than 81% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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 | LACEY TWP MUA serves 29,000 people · EPA ID NJ1512001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2024 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2023 |
| Monitoring and Reporting | 3 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 207 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures