385 Upper Neck Rd, Elmer, NJ 08318 Property Records

Salem County and Pittsgrove Township property record for 385 Upper Neck Rd, Elmer, NJ 08318

Property Summary

Property Type	Single Family Home
Details	2,336 sqft · built 1975
Lot Size	2.6 acres (113,256 sqft)
Owner	2 Individual Names on Record
Last Sale	$182,500 (Dec 2019)
Tax Bill	$13,173 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-00701-0000-00015`

Property Details

APN / Parcel Number

Primary APN	`11-00701-0000-00015`
Alternative APNs	`1100049000000027` `110070100015`

Interior

Stories	1 Story
Building Area	2,336 sqft Living Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Colonial
Construction Type	Frame
Lot Area	113,256 sqft
Garage Type	Detached
Parking Spaces	3 Parking Spaces

Location & Zoning

Old Parcel Number	1100049000000027
Street Address	385 UPPER NECK RD
City	ELMER
State	NJ
Zip	08318-3416
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ADDITIONAL LOTS: SHORT SALE
Legal Block	701
Legal Lot Number	15
Jurisdiction	SALEM NJ
Township / Civil Division	PITTSGROVE
Census Block Group	1
Census Block	1019
Census Tract	21102

Owner

Source: Salem County and Pittsgrove Township records, as of July 22, 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	385 UPPER NECK RD, ELMER, NJ 08318-3416
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2022	Deed of Trust, Mortgage · Line of Credit ARDENT FCU
Dec 27, 2019	Deed, Transfer · Stand-Alone First Mortgage ARDENT FEDERAL CREDIT UNION
Jan 24, 2018	Loan Modification, Mortgage · Conventional with PMI PENNSVILLE NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 2019 · Amount on Record
Deed Sale	Dec 27, 2019 · Amount on Record
Prior Sale	Jan 19, 2007 · Amount on Record
Deed Document Number	2019202019011983
Deed Book / Page	4542 / 1353
Prior Transfer Date	Jan 13, 1998
Prior Transfer Doc	0000000625
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM NJ
Property Address	385 UPPER NECK RD, ELMER, NJ 08318-3416
Transaction Type	Mortgage
Record Updated	Dec 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046491740
Date	Nov 18, 2022
Book Page	4649/1740
Instrument	2022012072

Lender

Name	ARDENT FCU
Type	Credit Union
Address	PHILADELPHIA, PA 19130

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	SALEM NJ
Recording Date	Dec 27, 2019
Property Address	385 UPPER NECK RD, ELMER, NJ 08318-3416
Document Number	0045421353
Book / Page	4542 / 1353
Instrument Date	Dec 6, 2019
Instrument	202019011983
Transaction Type	Transfer
Record Updated	Sep 20, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 UPPER NECK RD, PITTSGROVE, NJ 08318-3416

Mortgage

Document Number	2019011984
Date	Dec 27, 2019
Instrument	2019011984

Lender

Name	ARDENT FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jan 1, 2025
Max Rate At Change	2.7%
Index	1-Year LIBOR

Mortgage

Document Number	0045421353
Date	Dec 27, 2019
Book Page	4542/1353
Instrument	202019011983

Lender

Name	ARDENT FEDERAL CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jan 1, 2025
Index	1-Year LIBOR

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SALEM NJ
Property Address	385 UPPER NECK RD, ELMER, NJ 08318-3416
Document Number	0043710983
Instrument Date	Jan 24, 2018
Transaction Type	Mortgage
Record Updated	Jul 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 UPPER NECK RD PITTSGROVE NJ 083183416, PITTSGROVE, NJ 08318-3416

Mortgage

Document Number	0043710983
Date	Feb 12, 2018
Book Page	004371/000983
Instrument	125301

Lender

Name	PENNSVILLE NAT'L BK
Type	Bank
Address	PENNSVILLE, NJ 08070

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	300 Months
Due	Feb 11, 2043

Interest

Rate	5.37%

Tax Assessment & Valuation

Source: Salem County and Pittsgrove Township assessment roll, as of July 2, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$309,000 (-) Land $47,700 Building $261,300	$309,000 (-) Land $47,700 Building $261,300
2025	$13,173.00 (+0.81%)	$309,000 (+14.44%) Land $47,700 Building $261,300	$309,000 (+14.44%) Land $47,700 Building $261,300
2024	$13,067.00 (+22.25%)
2023		$270,000 Land $47,700 Building $222,300	$270,000 Land $47,700 Building $222,300
2022	$10,689.00

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 June 27, 2016

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · above 73% of New Jersey
Wildfire Likelihood	0.1% 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

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