3605 Ocean Ter, Lavallette, NJ 08735 Property Records

Ocean County and Toms River Township property record for 3605 Ocean Ter, Lavallette, NJ 08735

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,288 sqft · built 1937
Lot Size	0.092 acres (3,999 sqft)
Owner	2 Individual Names on File
Last Sale	$1,112,500 (Dec 2017)
Tax Bill	$18,061 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`08-00916-0000-00004`

Property Details

APN / Parcel Number

Primary APN	`08-00916-0000-00004`
Alternative APN	`080091600004`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,288 sqft Living Area
Gross Area	3,312 sqft
Basement Area	1,024 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Architectural Style	Colonial
Construction Type	Frame
Roof Type	Gable
Roof Material	Asbestos
Lot Area	3,999 sqft (0.092 acres)
Lot Dimensions	100 ft deep x 40 ft wide
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	3605 OCEAN TER
City	NORMANDY BEACH
State	NJ
Zip	08739
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40A
Legal Description	40X100
Legal Subdivision	NORMANDY BEACH
Legal Block	916
Legal Lot Number	4
Jurisdiction	OCEAN NJ
Township / Civil Division	TOMS RIVER
Census Block Group	2
Census Block	2007
Census Tract	722500

Owner

3605 Ocean Ter is owned and occupied by two individuals who bought it in December 2017.

Source: Ocean County and Toms River Township records, as of July 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3605 OCEAN TER, NORMANDY BEACH, NJ 08739
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK
Dec 7, 2017	Deed, Transfer · Conventional Mortgage FINANCE AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2017 · Amount on File
Deed Sale	Dec 7, 2017 · Amount on File
Deed Document Number	2017128621
Deed Book / Page	16962 / 544
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Property Address	3605 OCEAN TER, LAVALLETTE, NJ 08735-3443
Transaction Type	Mortgage
Record Updated	Nov 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0179251037
Date	Jun 15, 2020
Book Page	17925/1037
Instrument	2020060552

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2035

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	OCEAN NJ
Recording Date	Dec 7, 2017
Property Address	3605 OCEAN TER, LAVALLETTE, NJ 08735-3443
Document Number	0169620544
Book / Page	16962 / 544
Map Reference	MAP E 168
Instrument Date	Nov 8, 2017
Instrument	2017128621
Transaction Type	Transfer
Record Updated	Nov 3, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$22,061.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 CHADWELL PL, 11, MORRISTOWN, NJ 07960-6945

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3605 OCEAN TER, NORMANDY BEACH, NJ 08739

Mortgage

Document Number	0169620551
Date	Dec 7, 2017
Book Page	16962/551
Instrument	2017128622

Lender

Name	FINANCE AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3605 Ocean Ter was $18,061, up 7.3% from the year before.

Source: Ocean County and Toms River Township assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Ocean County
County Subdivision	Toms River Township
Unified School District	Toms River Regional School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$924,300 (-) Land $722,000 Building $202,300	$924,300 (-) Land $722,000 Building $202,300
2025	$18,061.00 (+7.31%)	$924,300 Land $722,000 Building $202,300	$924,300 Land $722,000 Building $202,300
2024	$16,831.00
2023		$923,400 Land $722,000 Building $201,400	$923,400 Land $722,000 Building $201,400
2022	$15,411.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3605 Ocean Ter in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 VE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 520 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	540 units insured incl. 20 condo units
Nearby Flood Claims	666 (1978–2022)
Claims Outside the SFHA	88 of 666
Most Recent Claim	Dec 2022 · tidal / storm surge
Claims by Event	Hurricane Sandy, Nov 2012 · 551 claims Hurricane Irene, Aug 2011 · 29 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 48 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

The area around 3605 Ocean Ter has no burnable land within ember reach, so its wildfire risk is not rated.

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 - 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 112 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fixed Wireless · Fiber	1,000 / 75
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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