328 E Cape May Ave, Ocean Gate, NJ 08740 Property Records

Ocean County and Ocean Gate Borough property record for 328 E Cape May Ave, Ocean Gate, NJ 08740

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,897 sqft · built 1970
Lot Size	0.184 acres (8,002 sqft)
Owner	2 Individual Names on Record
Last Sale	$472,500 (Mar 2023)
Tax Bill	$8,943 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Jan 2023 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`22-00045-0000-00003`

Property Details

APN / Parcel Number

Primary APN	`22-00045-0000-00003`
Alternative APNs	`2200045000002177` `220004500003`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,897 sqft Living Area
1st Floor Area	1,897 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Asbestos
Lot Area	8,002 sqft (0.184 acres)
Lot Dimensions	100 ft deep x 80 ft wide
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	2200045000002177
Street Address	328 E CAPE MAY AVE
City	OCEAN GATE
State	NJ
Zip	08740-1322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	80X100
Legal Subdivision	OCEAN GATE SEC 01
Legal Block	45
Legal Lot Number	3
Jurisdiction	OCEAN NJ
Township / Civil Division	OCEAN GATE
Census Block Group	2
Census Block	2030
Census Tract	729000

Owner

Source: Ocean County and Ocean Gate Borough records, as of July 7, 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	328 E CAPE MAY AVE, OCEAN GATE, NJ 08740-1322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2023	Bargain and Sale Deed, Transfer · Conventional Mortgage PATRIOT MORTGAGE LLC
Jan 30, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2023 · Amount on Record
Deed Sale	Mar 23, 2023 · Amount on Record
Prior Sale	May 31, 2012 · Amount on Record
Deed Document Number	202321836
Deed Book / Page	19332 / 401
Record Updated	Sep 20, 2026

March 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	OCEAN NJ
Recording Date	Mar 23, 2023
Property Address	328 E CAPE MAY AVE, OCEAN GATE, NJ 08740-1322
Document Number	0193320401
Book / Page	19332 / 401
Instrument Date	Mar 16, 2023
Instrument	2023021836
Transaction Type	Transfer
Record Updated	Apr 21, 2023
Title Company	CROSS CNTY TITLE AGCY INC, CROSS COUNTY TITLE AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,911.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	77 TOP SAIL CT, BAYVILLE, NJ 08721-1409

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 E CAPE MAY AVE, OCEAN GATE, NJ 08740-1322
Investor	Possibly a Property Investor

Mortgage

Document Number	2023021837
Date	Mar 23, 2023
Instrument	2023021837

Lender

Name	PATRIOT MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Property Address	328 E CAPE MAY AVE, OCEAN GATE, NJ 08740-1322
Transaction Type	Mortgage
Record Updated	Feb 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 E CAPE MAY AVE, OCEAN GATE, NJ 08740-1322

Mortgage

Document Number	0192871601
Date	Jan 30, 2023
Book Page	19287/1601
Instrument	2023007336

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jan 15, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Ocean County and Ocean Gate Borough assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Ocean County
Municipality	Ocean Gate Borough
Secondary School District	Central Regional School District (07 - 12)
Elementary School District	Ocean Gate Borough School District (KG - 06)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$491,100 (-) Land $178,500 Building $312,600	$491,100 (-) Land $178,500 Building $312,600
2025	$8,943.00 (+10.78%)	$491,100 (+96.68%) Land $178,500 Building $312,600	$491,100 (+96.68%) Land $178,500 Building $312,600
2024	$8,073.00 (+16.26%)
2023		$249,700 Land $74,700 Building $175,000	$249,700 Land $74,700 Building $175,000
2022	$6,944.00

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 March 16, 2022 · 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 52 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	52 in force
Nearby Flood Claims	81 (1984–2021)
Claims Outside the SFHA	7 of 81
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Hurricane Sandy, Nov 2012 · 65 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	Low lower than 98% of the US · lower than 94% of New Jersey
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	OCEAN GATE WATER DEPT serves 3,200 people · EPA ID NJ1521001
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 479 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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