Monmouth County and Ocean Township property record for 39 Cotswold Cir, Ocean, NJ 07712
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,284 sqft · built 1985 |
| Lot Size | 0.323 acres (14,083 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $446,111 (Feb 2017) |
| Tax Bill | $6,262 (2024) |
| Deeds & Mortgages | May 2022 Line of Credit May 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 37 00034-0000-00029-0000-C6.07 |
| Primary APN | 37 00034-0000-00029-0000-C6.07 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,284 sqft Living Area |
| 1st Floor Area | 915 sqft |
| Upper Floors Area | 603 sqft |
| Basement Area | 322 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 14,083 sqft (0.323 acres) |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Deck Area | 220 sqft |
| Patio Area | 88 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Old Parcel Number | 37000340000000290000C6.07 |
|---|---|
| Street Address | 39 COTSWOLD CIR |
| City | OCEAN |
| State | NJ |
| Zip | 07712-2645 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COTSWOLD ON THE GREEN BLDG 6 UNIT 6G |
| Legal Subdivision | COTSWOLD ON GREEN |
| Legal Block | 34 |
| Legal Lot Number | 29 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | OCEAN |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 806502 |
39 Cotswold Cir is owned and occupied by two individuals who bought it in February 2017.
Source: Monmouth County and Ocean Township records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 39 COTSWOLD CIR, OCEAN, NJ 07712-2645 |
| 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.
| Date | Document |
|---|---|
| May 23, 2022 | Deed of Trust, Mortgage · Line of Credit KEY BANK NA |
| May 23, 2022 | Deed of Trust, Mortgage · Line of Credit KEY BANK NA |
| Mar 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP |
| Mar 3, 2017 | Grant Deed, Transfer · Conventional Mortgage DIGITAL EMP FCU |
| Feb 22, 2017 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 22, 2017 · Amount on File |
| Deed Sale | Feb 22, 2017 · Amount on File |
| Prior Sale | Jan 2, 2008 · Amount on File |
| Deed Document Number | 201719482 |
| Deed Book / Page | 9214 / 1010 |
| Prior Transfer Date | Oct 17, 2016 |
| Prior Transfer Doc | 0000019482 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 39 COTSWOLD CIR, OCEAN, NJ 07712-2645 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | SOLIDIFI TITLE & CLOSING LLC |
| Name | Verified Name |
|---|---|
| Address | 39 COTSWOLD CIR, OCEAN, NJ 07712-2645 |
| Document Number | 0095969517 |
|---|---|
| Date | May 23, 2022 |
| Book Page | 9596/9517 |
| Instrument | 2022055736 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 13, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 39 COTSWOLD CIR, OCEAN, NJ 07712-2645 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | SOLIDIFI TITLE & CLOSING LLC |
| Name | Verified Name |
|---|---|
| Address | 39 COTSWOLD CIR, OCEAN, NJ 07712-2645 |
| Document Number | 0095968545 |
|---|---|
| Date | May 23, 2022 |
| Book Page | 9596/8545 |
| Instrument | 2022055539 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 13, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 39 COTSWOLD CIR, OCEAN, NJ 07712-2645 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2021 |
| Title Company | BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0094948564 |
|---|---|
| Date | Mar 26, 2021 |
| Book Page | 9494/8564 |
| Instrument | 2021048420 |
| Name | DRAPER & KRAMER MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | DOWNERS GROVE, IL 60515 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Mar 3, 2017 |
| Property Address | 39 COTSWOLD CIR, OCEAN, NJ 07712-2645 |
| Document Number | 0000022955 |
| Book / Page | 009215 / 004979 |
| Instrument Date | Dec 15, 2016 |
| Instrument | 22955 |
| Transaction Type | Transfer |
| Record Updated | Apr 5, 2017 |
| Title Company | EQUITY NATIONAL TITLE LLC, EQUITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $235.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 39 COTSWOLD CIR #6G OCEAN NJ 077122645, 6G, OCEAN, NJ 07712-2645 |
| Document Number | 22956 |
|---|---|
| Date | Mar 3, 2017 |
| Book Page | 009215/004995 |
| Instrument | 22956 |
| Name | DIGITAL EMP FCU |
|---|---|
| Type | Credit Union |
| Address | MARLBOROUGH, MA 01752 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 2, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Feb 22, 2017 |
| Property Address | 39 COTSWOLD CIR, OCEAN, NJ 07712-2645 |
| Document Number | 0000019482 |
| Book / Page | 009214 / 001010 |
| Instrument Date | Oct 17, 2016 |
| Instrument | 19482 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 4, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $1.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Address | PO BOX 8517 PORTLAND OR 972078517, PORTLAND, OR 97207-8517 |
| Investor | Possibly a Property Investor |
Source: Monmouth County and Ocean Township assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| County Subdivision | Ocean Township |
| Unified School District | Ocean Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $518,200 (+2.07%) Land $315,000 Building $203,200 | $518,200 (+2.07%) Land $315,000 Building $203,200 | |
| 2025 | $507,700 Land $309,000 Building $198,700 | $507,700 Land $309,000 Building $198,700 | |
| 2024 | $6,262.00 | ||
| 2023 | $436,800 Land $248,000 Building $188,800 | $436,800 Land $248,000 Building $188,800 | |
| 2022 | $5,900.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 39 Cotswold Cir in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · 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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 2 in force |
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 risk around 39 Cotswold Cir is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 87% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 129 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Optimum Cable · Fiber in parts of the area | 940 / 35 |
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