321 E Surf Rd, Ocean City, NJ 08226 Property Records

Cape May County and Ocean City property record for 321 E Surf Rd, Ocean City, NJ 08226

Property Summary

Property Type	Single Family Home
Details	1,756 sqft · built 2022
Lot Size	0.115 acres (4,992 sqft)
Owner	2 Individual Names on Record
Last Sale	$960,000 (Dec 2020)
Tax Bill	$24,098 (2024)
Deeds & Mortgages	May 2022 Refinance Dec 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`08-00070-30-00003`

Property Details

APN / Parcel Number

Primary APN	`08-00070-30-00003`
Alternative APN	`0800070003000003`

Interior

Stories	1 Story
Building Area	1,756 sqft Living Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Construction Type	Frame
Lot Area	4,992 sqft (0.115 acres)
Lot Dimensions	111 ft deep x 45 ft wide

Location & Zoning

Street Address	321 E SURF RD
City	OCEAN CITY
State	NJ
Zip	08226-4561
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	OB26G L2603B
Legal Subdivision	MCLAUGHLAN-CONOVER CO PLAN 3
Legal Block	70.30
Legal Lot Number	3
Jurisdiction	CAPE MAY NJ
Township / Civil Division	OCEAN CITY
Census Block Group	2
Census Block	2037
Census Tract	20201

Owner

Source: Cape May County and Ocean City records, as of July 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	575 S GODDARD BLVD, 410, KING OF PRUSSIA, PA 19406-1374
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance OCEANFIRST BANK
Dec 21, 2020	Grant Deed, Transfer · Conventional Mortgage OCEANFIRST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2020 · Amount on Record
Deed Sale	Dec 21, 2020 · Amount on Record
Deed Document Number	202045660
Deed Book / Page	3952 / 330
Prior Transfer Date	Nov 5, 2014
Prior Transfer Doc	0000000310
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAPE MAY NJ
Property Address	321 E SURF RD, OCEAN CITY, NJ 08226-4561
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000018144
Date	May 25, 2022
Book Page	M6566/528
Instrument	2022018144

Lender

Name	OCEANFIRST BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAPE MAY NJ
Recording Date	Dec 21, 2020
Property Address	321 E SURF RD, OCEAN CITY, NJ 08226-4561
Document Number	0039520330
Book / Page	003952 / 000330
Instrument Date	Sep 17, 2020
Instrument	45660
Transaction Type	Transfer
Record Updated	Dec 31, 2020
Title Company	TRIDENT LAND TRANSFER COMPANY (NJ), TRIDENT LAND TRANSFER CO (NJ)

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$960.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	814 HAWTHORNE ST DOWNINGTOWN PA 193351696, DOWNINGTOWN, PA 19335-1696

Mortgage

Document Number	62940978
Date	Dec 21, 2020
Book Page	006294/000978
Instrument	45661

Lender

Name	OCEANFIRST BK
Type	Bank
Address	TOMS RIVER, NJ 08753

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Dec 20, 2025

Tax Assessment & Valuation

Source: Cape May County and Ocean City assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Cape May County
Municipality	Ocean City
Unified School District	Ocean City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,147,800 (-) Land $556,900 Building $1,590,900	$2,147,800 (-) Land $556,900 Building $1,590,900
2025		$2,147,800 (+285.67%) Land $556,900 Building $1,590,900	$2,147,800 (+285.67%) Land $556,900 Building $1,590,900
2024	$24,098.00 (+320.56%)
2023		$556,900 Land $556,900	$556,900 Land $556,900
2022	$5,730.00

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	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 372 individual policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	471 units insured incl. 99 condo units
Nearby Flood Claims	97 (1978–2012)
Claims Outside the SFHA	1 of 97
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Hurricane Sandy, Oct 2012 · 79 claims Severe Storms And Flooding Associated With Tropical Depression Ida And A Nor'eas, Nov 2009 · 2 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 5 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

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 - OCEAN CITY private · serves 127,000 people · EPA ID NJ0508001
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 868 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

May also be available: T-Mobile, Verizon.

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