34 Cypress Neck Rd, Lincroft, NJ 07738 Property Records

Monmouth County and Middletown Township property record for 34 Cypress Neck Rd, Lincroft, NJ 07738

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,546 sqft · built 1981
Lot Size	0.694 acres (30,208 sqft)
Owner	2 Individual Names on Record
Last Sale	$477,500 (Oct 2013)
Tax Bill	$11,028 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`32-01048-0000-00029`

Property Details

APN / Parcel Number

Primary APN	`32-01048-0000-00029`
Alternative APNs	`32000060500031` `320104800029`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,546 sqft Living Area
1st Floor Area	1,376 sqft
Upper Floors Area	1,170 sqft
Basement Area	828 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Colonial
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Other
Lot Area	30,208 sqft (0.694 acres)
Lot Dimensions	236 ft deep x 128 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	176 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Old Parcel Number	32000060500031
Street Address	34 CYPRESS NECK RD
City	LINCROFT
State	NJ
Zip	07738-1002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R22
Legal Subdivision	WOODLAND RUN SEC 04
Legal Block	1048
Legal Lot Number	29
Jurisdiction	MONMOUTH NJ
Township / Civil Division	MIDDLETOWN
Census Block Group	1
Census Block	1002
Census Tract	801500

Owner

Source: Monmouth County and Middletown Township records, as of August 27, 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	34 CYPRESS NECK RD, LINCROFT, NJ 07738-1002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2026	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL CREDIT UNION
Aug 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage ARC HM LLC
Dec 19, 2016	Deed of Trust, Mortgage · Conventional Mortgage ADVISORS MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2013 · Amount on Record
Deed Sale	Oct 28, 2013 · Amount on Record
Deed Document Number	2013119032
Deed Book / Page	9042 / 9322
Prior Transfer Date	Aug 7, 2006
Prior Transfer Doc	0085856921
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Recording Date	Aug 11, 2026
Property Address	34 CYPRESS NECK RD, LINCROFT, NJ 07738-1002
Document Number	0000066103
Book / Page	9807 / 4318
Instrument Date	Jul 18, 2026
Instrument	202666103
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 CYPRESS NECK RD, LINCROFT, NJ 07738-1002

Mortgage

Document Number	0000066103,
Date	Aug 11, 2026
Book Page	9807/4318
Instrument	202666103

Lender

Name	FIRST FINANCIAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2041

Interest

Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	34 CYPRESS NECK RD, LINCROFT, NJ 07738-1002
Document Number	0000103078
Instrument Date	Aug 31, 2020
Transaction Type	Mortgage
Record Updated	Oct 22, 2020
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING L

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	34 CYPRESS NECK RD LINCROFT NJ 077381002, LINCROFT, NJ 07738-1002

Mortgage

Document Number	0000103078
Date	Sep 11, 2020
Book Page	009440/002522
Instrument	103078

Lender

Name	ARC HM LLC
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Sep 10, 2045

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	34 CYPRESS NECK RD, LINCROFT, NJ 07738-1002
Document Number	0000011392
Book / Page	009210 / 006514
Instrument Date	Dec 19, 2016
Transaction Type	Mortgage
Record Updated	Apr 4, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	34 CYPRESS NECK RD LINCROFT NJ 077381002, LINCROFT, NJ 07738-1002

Mortgage

Document Number	0000011392
Date	Jan 31, 2017
Book Page	009210/006514
Instrument	11392

Lender

Name	ADVISORS MTG
Type	Mortgage Company
Address	OCEAN, NJ 07712

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2047

Tax Assessment & Valuation

Source: Monmouth County and Middletown Township assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
County Subdivision	Middletown Township
Unified School District	Middletown Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$763,800 (+11.78%) Land $439,400 Building $324,400	$763,800 (+11.78%) Land $439,400 Building $324,400
2025	$11,028.00 (-2.8%)	$683,300 (+9.54%) Land $356,700 Building $326,600	$683,300 (+9.54%) Land $356,700 Building $326,600
2024	$11,346.00 (+14.95%)
2023		$623,800 Land $275,400 Building $348,400	$623,800 Land $275,400 Building $348,400
2022	$9,870.00

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 September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1995)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1995 · other causes

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 64% of the US · above 55% of New Jersey
Wildfire Likelihood	0.04% 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	NJ AMERICAN WATER - COASTAL NORTH private · serves 377,613 people · EPA ID NJ1345001
Water Source	Surface water
Last State Inspection	Sep 2023
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Sep 2019
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 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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