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

Cape May County and Ocean City property record for 331 E Surf Rd, Ocean City, NJ 08226

Property Summary

Property TypeSingle Family Home
Details3,002 sqft · built 2022
Lot Size0.207 acres (8,999 sqft)
Owner2 Individual Names on Record
Last Sale$1,325,000 (May 2017)
Tax Bill$43,403 (2024)
Deeds & MortgagesMay 2022 Refinance
May 2017 Sale & Mortgage
Flood ZoneZone X (moderate risk)
APN08-00070-30-00005

Property Details

APN / Parcel Number

Primary APN08-00070-30-00005
Alternative APN
  • 0800070003000005

Interior

Stories2 Stories
Building Area3,002 sqft Living Area

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Exterior MaterialStucco
Construction TypeFrame
Lot Area8,999 sqft (0.207 acres)
Lot Dimensions125 ft deep x 72 ft wide

Location & Zoning

Street Address331 E SURF RD
CityOCEAN CITY
StateNJ
Zip08226-4561
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionOB26G L2607B
Legal Block70.30
Legal Lot Number5
JurisdictionCAPE MAY NJ
Township / Civil DivisionOCEAN CITY
Census Block Group2
Census Block2037
Census Tract20201

Owner

Source: Cape May County and Ocean City 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 Record2 Individual Names on Record
Mailing Address2018 SILVERWOOD DR, NEWTOWN, PA 18940-9401
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 24, 2022Deed of Trust, Mortgage · Stand-Alone Refinance
FIRST HORIZON BANK
May 3, 2017Grant Deed, Transfer
GUARANTEED RATE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 3, 2017 · Amount on Record
Deed SaleMay 3, 2017 · Amount on Record
Prior SaleApr 17, 1999 · Amount on Record
Deed Document Number20173626
Deed Book / Page3728 / 168
Prior Transfer DateSep 26, 2016
Prior Transfer Doc0000006536
Record UpdatedOct 29, 2026

May 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCAPE MAY NJ
Property Address331 E SURF RD, OCEAN CITY, NJ 08226-4561
Transaction TypeMortgage
Record UpdatedOct 24, 2022
Title CompanyMISC COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000018047
DateMay 24, 2022
Book PageM6566/188
Instrument2022018047
Lender
NameFIRST HORIZON BANK
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term361 Months
DueJun 1, 2052

May 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionCAPE MAY NJ
Recording DateMay 3, 2017
Property Address331 E SURF RD, OCEAN CITY, NJ 08226-4561
Document Number0037280168
Book / Page003728 / 000168
Instrument DateApr 24, 2017
Instrument13626
Transaction TypeTransfer
Record UpdatedSep 19, 2017
Title CompanyTITLE COMPANY/JERSEY, TITLE CO/JERSEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,325.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2018 SILVERWOOD DR NEWTOWN PA 189409401, NEWTOWN, PA 18940-9401

Mortgage

Document Number58630487
DateMay 3, 2017
Book Page005863/000487
Instrument13627
Lender
NameGUARANTEED RATE
Address3940 N RAVENSWOOD AVE, CHICAGO, IL 60613-2420
Agreement
AmountAmount Recorded
Term360 Months
DueMay 2, 2047
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew Jersey
CountyCape May County
MunicipalityOcean City
Unified School DistrictOcean City School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$3,868,400 (-) Land $847,400 Building $3,021,000$3,868,400 (-) Land $847,400 Building $3,021,000
2025$3,868,400 (+356.5%) Land $847,400 Building $3,021,000$3,868,400 (+356.5%) Land $847,400 Building $3,021,000
2024$43,403.00 (+397.8%)
2023$847,400 Land $847,400$847,400 Land $847,400
2022$8,719.00

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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 372 individual policies
Community Rating SystemClass 4 (30% premium discount)
Nearby Flood Policies471 units insured
incl. 99 condo units
Nearby Flood Claims97 (1978–2012)
Claims Outside the SFHA1 of 97
Most Recent ClaimOct 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 RiskNot 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 SystemNJ AMERICAN WATER - OCEAN CITY
private · serves 127,000 people · EPA ID NJ0508001
Water SourceGroundwater
Last State InspectionApr 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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