368 E Millstream Rd, Cream Ridge, NJ 08514 Property Records

Ocean County and Plumsted Township property record for 368 E Millstream Rd, Cream Ridge, NJ 08514

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,558 sqft · built 1994
Lot Size	3.4 acres (148,104 sqft)
Owner	2 Individual Names on Record
Last Sale	$725,000 (Apr 2024)
Tax Bill	$12,348 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Sep 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-00061-0000-00021-01`

Property Details

APN / Parcel Number

Primary APN	`24-00061-0000-00021-01`
Alternative APN	`24000610000000210001`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,558 sqft Living Area
Gross Area	3,984 sqft
Basement Area	1,426 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asbestos
Lot Area	148,104 sqft
Garage Type	Attached
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	368 E MILLSTREAM RD
City	CREAM RIDGE
State	NJ
Zip	08514-2407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-5
Legal Description	3.40 AC
Legal Subdivision	TOWNSHIP/PLUMSTED
Legal Block	61
Legal Lot Number	21.1
Jurisdiction	OCEAN NJ
Township / Civil Division	PLUMSTED
Census Block Group	4
Census Block	4005
Census Tract	718000

Owner

Source: Ocean County and Plumsted Township records, as of July 7, 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	368 E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2407
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2024	Deed, Transfer · Conventional Mortgage LOWER LLC
Sep 12, 2023	Deed of Trust, Mortgage · Line of Credit FULTON BANK NA
Feb 24, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2024 · Amount on Record
Deed Sale	Apr 25, 2024 · Amount on Record
Deed Document Number	202430265
Deed Book / Page	19666 / 1964
Prior Transfer Date	Sep 24, 2007
Prior Transfer Doc	0138081108
Record Updated	Sep 20, 2026

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	OCEAN NJ
Recording Date	Apr 25, 2024
Property Address	368 E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2407
Document Number	0196661964
Book / Page	19666 / 1964
Instrument Date	Apr 16, 2024
Instrument	2024030265
Transaction Type	Transfer
Record Updated	May 8, 2024
Title Company	SUNNYSIDE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,067.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14 BREE DR, HAMILTON, NJ 08690-1502

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	368 E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2407

Mortgage

Document Number	2024030266
Date	Apr 25, 2024
Instrument	2024030266

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Property Address	368 E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2407
Transaction Type	Mortgage
Record Updated	Sep 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0194820884
Date	Sep 12, 2023
Book Page	19482/884
Instrument	2023068533

Lender

Name	FULTON BANK NA
Type	Bank
Address	EAST PETERSBURG, PA 17520

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Property Address	368 E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2407
Document Number	0166860915
Instrument Date	Feb 24, 2017
Transaction Type	Mortgage
Record Updated	Aug 17, 2018
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	368 E MILLSTREAM RD CREAM RIDGE NJ 085142407, CREAM RIDGE, NJ 08514-2407

Mortgage

Document Number	0166860915
Date	Mar 17, 2017
Book Page	016686/000915
Instrument	28374

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 16, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$704,600 (+100.11%) Land $208,000 Building $496,600	$704,600 (+100.11%) Land $208,000 Building $496,600
2025	$12,348.00 (+12.74%)	$352,100 (-) Land $138,000 Building $214,100	$352,100 (-) Land $138,000 Building $214,100
2024	$10,953.00 (+12.3%)
2023		$352,100 Land $138,000 Building $214,100	$352,100 Land $138,000 Building $214,100
2022	$9,753.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2024 · rainfall accumulation

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	Moderate above 66% of the US · above 80% of New Jersey
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 103 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Optimum.

Nearby Properties on E Millstream Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures