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

Cape May County and Ocean City property record for 356 E Surf Rd, Ocean City, NJ 08226

Property Summary

Property TypeSingle Family Home
Details1,948 sqft · built 1937
Lot Size0.215 acres (9,374 sqft)
OwnerIndividual Name on Record
Tax Bill$9,896 (2024)
Deeds & MortgagesSep 2026 Sale
Jun 2021 Reverse Mortgage
Flood ZoneZone AE (high risk)
APN08-00070-26-00026

Property Details

APN / Parcel Number

Primary APN08-00070-26-00026
Alternative APN
  • 0800070002600026

Interior

Stories2 Stories
Building Area1,948 sqft Living Area

Exterior

Year BuiltBuilt 1937
Effective Year BuiltEffective 1937
Construction TypeFrame
Lot Area9,374 sqft (0.215 acres)
Lot Dimensions125 ft deep x 75 ft wide
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address356 E SURF RD
CityOCEAN CITY
StateNJ
Zip08226-4553
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionOB22G L2250
Legal SubdivisionMCLAUGLIN-CONOVER PLAN #3
Legal Block70.26
Legal Lot Number26
JurisdictionCAPE MAY NJ
Township / Civil DivisionOCEAN CITY
Census Block Group2
Census Block2028
Census Tract20201

Owner

Source: Cape May County and Ocean City records, as of October 21, 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 RecordIndividual Name on Record
Mailing Address356 E SURF RD, OCEAN CITY, NJ 08226-4553
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 30, 2026Deed, Transfer
NONE LISTED ON DOCUMENT
Jun 16, 2021Deed of Trust, Mortgage · Reverse Mortgage
REVERSE MORTGAGE FUNDING LLC

Assessor's Deed Record

Deed NamesName on Deed
Last Transfer DateSep 18, 2026
Transfer Doc0000108670
Record UpdatedOct 29, 2026

September 2026: Deed, Transfer

Document TypeDeed
JurisdictionCAPE MAY NJ
Recording DateSep 30, 2026
Property Address356 E SURF RD, OCEAN CITY, NJ 08226-4553
Document Number0000108670
Book / Page4304 / 670
Instrument DateSep 18, 2026
Instrument2026108670
Transaction TypeTransfer
Record UpdatedOct 9, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address356 E SURF RD, OCEAN CITY, NJ 08226-4553

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCAPE MAY NJ
Property Address356 E SURF RD, OCEAN CITY, NJ 08226-4553
Transaction TypeMortgage
Record UpdatedJun 18, 2026
Title CompanyFNC TITLE SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number0000029952
DateJun 16, 2021
Book Page6416/56
Instrument2021029952
Lender
NameREVERSE MORTGAGE FUNDING LLC
TypeMortgage Company
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Term769 Months
DueJul 1, 2085

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$882,000 (-) Land $785,900 Building $96,100$882,000 (-) Land $785,900 Building $96,100
2025$882,000 (-) Land $785,900 Building $96,100$882,000 (-) Land $785,900 Building $96,100
2024$9,896.00 (+9.05%)
2023$882,000 Land $785,900 Building $96,100$882,000 Land $785,900 Building $96,100
2022$9,075.00

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 AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
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 132 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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