3659 Dune Dr, Avalon, NJ 08202 Property Records

Cape May County and Avalon Borough property record for 3659 Dune Dr, Avalon, NJ 08202

Property Summary

Property Type	Single Family Home
Details	3,237 sqft · built 2003
Lot Size	0.129 acres (5,611 sqft)
Owner	2 Individual Names on File
Last Sale	$1,449,000 (Apr 2012)
Tax Bill	$12,911 (2024)
Deeds & Mortgages	Jun 2021 Mortgage May 2021 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`01-00036-03-00040`

Property Details

APN / Parcel Number

Primary APN	`01-00036-03-00040`
Alternative APNs	`0100036000300040` `10/16`

Interior

Stories	3 Stories
Building Area	3,237 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Construction Type	Frame
Lot Area	5,611 sqft (0.129 acres)
Lot Dimensions	110 ft deep x 51 ft wide

Location & Zoning

Account Number	10/16
Street Address	3659 DUNE DR
City	AVALON
State	NJ
Zip	08202-1654
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1C
Legal Description	41.05
Legal Block	36.3
Legal Lot Number	40
Jurisdiction	CAPE MAY NJ
Township / Civil Division	AVALON
Census Block Group	3
Census Block	3037
Census Tract	20902

Owner

3659 Dune Dr is owned by two individuals who bought it in April 2012.

Source: Cape May County and Avalon Borough records, as of June 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1004 SIGNAL HILL LN, BERWYN, PA 19312-2023
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 3, 2021	Deed of Trust, Mortgage · ARM CITIZENS BANK
May 24, 2021	Deed of Trust, Mortgage CITIZENS BK NA
Aug 3, 2020	Deed of Trust, Mortgage CITIZENS BK NA
Dec 12, 2016	Deed of Trust, Mortgage CITIZENS BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2012 · Amount on File
Deed Sale	Apr 30, 2012 · Amount on File
Prior Sale	May 20, 2004 · Amount on File
Deed Document Number	2012173
Deed Book / Page	3490 / 614
Prior Transfer Date	Jun 26, 1989
Prior Transfer Doc	1952000126
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAPE MAY NJ
Property Address	3659 DUNE DR, AVALON, NJ 08202-1654
Transaction Type	Mortgage
Record Updated	Aug 17, 2022
Title Company	AMERICAN HOME TITLE LIMITED

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027829
Date	Jun 3, 2021
Book Page	6409/7
Instrument	2021027829

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.6%
Type Change Date	Jun 1, 2031
Index	1-Year LIBOR

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAPE MAY NJ
Property Address	3659 DUNE DR, AVALON, NJ 08202-1654
Document Number	0064090007
Instrument Date	May 24, 2021
Transaction Type	Mortgage
Record Updated	Jun 18, 2021
Title Company	AMERICAN HOME TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3659 DUNE DR AVALON NJ 082021654, AVALON, NJ 08202-1654

Mortgage

Document Number	0064090007
Date	Jun 3, 2021
Book Page	006409/000007
Instrument	27829

Lender

Name	CITIZENS BK NA
Address	1 CITIZENS PLZ, PROVIDENCE, RI 02903-1344

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 2, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAPE MAY NJ
Property Address	3659 DUNE DR, AVALON, NJ 08202-1654
Document Number	0062310476
Instrument Date	Aug 3, 2020
Transaction Type	Mortgage
Record Updated	Sep 25, 2020
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3659 DUNE DR AVALON NJ 082021654, AVALON, NJ 08202-1654

Mortgage

Document Number	0062310476
Date	Aug 25, 2020
Book Page	006231/000476
Instrument	27298

Lender

Name	CITIZENS BK NA
Address	PROVIDENCE, RI 02903

Agreement

Amount	Amount on Record
Term	300 Months
Due	Aug 24, 2045

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAPE MAY NJ
Property Address	3659 DUNE DR, AVALON, NJ 08202-1654
Document Number	0058300805
Instrument Date	Dec 12, 2016
Transaction Type	Mortgage
Record Updated	Jul 22, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3659 DUNE DR AVALON NJ 082021654, AVALON, NJ 08202-1654

Mortgage

Document Number	0058300805
Date	Jan 6, 2017
Book Page	005830/000805
Instrument	287

Lender

Name	CITIZENS BK NA
Address	PO BOX 4060, GLEN ALLEN, VA 23058-4060

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.12%

Tax Assessment & Valuation

Source: Cape May County and Avalon Borough assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Cape May County
Municipality	Avalon Borough
Unified School District	Avalon Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,102,800 (-) Land $1,250,000 Building $852,800	$2,102,800 (-) Land $1,250,000 Building $852,800
2025		$2,102,800 Land $1,250,000 Building $852,800	$2,102,800 Land $1,250,000 Building $852,800
2024	$12,911.00
2023		$2,102,800 Land $1,250,000 Building $852,800	$2,102,800 Land $1,250,000 Building $852,800
2022	$11,943.00

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

Flood

FEMA maps place 3659 Dune Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 4, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 981 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	1,603 units insured incl. 622 condo units
Nearby Flood Claims	547 (1979–2024)
Claims Outside the SFHA	15 of 547
Most Recent Claim	Nov 2024
Claims by Event	Hurricane Sandy, Nov 2012 · 245 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 35 claims Coastal Storms & Flooding, Mar 1984 · 38 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 3659 Dune Dr 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	AVALON WATER AND SEWERAGE UTILITIES serves 39,839 people · EPA ID NJ0501001
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	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	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 562 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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