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

Ocean County and Plumsted Township property record for 390 E Millstream Rd, Cream Ridge, NJ 08514

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,152 sqft · built 1984
Lot Size	0.62 acres (27,007 sqft)
Owner	Individual Name on File
Last Sale	$491,000 (Jul 2025)
Tax Bill	$7,186 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-00063-0000-00050`

Property Details

APN / Parcel Number

Primary APN	`24-00063-0000-00050`
Alternative APN	`240006300050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	1,152 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asbestos
Lot Area	27,007 sqft (0.62 acres)
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	390 E MILLSTREAM RD
City	CREAM RIDGE
State	NJ
Zip	08514-2408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-5
Legal Description	.62 AC
Legal Subdivision	TOWNSHIP/PLUMSTED
Legal Block	63
Legal Lot Number	50
Jurisdiction	OCEAN NJ
Township / Civil Division	PLUMSTED
Census Block Group	4
Census Block	4002
Census Tract	718000

Owner

390 E Millstream Rd is owned and occupied by an individual who bought it in July 2025.

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

Owner of Record	Individual Name on File
Mailing Address	390 E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2408
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2025 · Amount on File
Deed Sale	Jul 7, 2025 · Amount on File
Prior Sale	Jul 14, 2020 · Amount on File
Deed Document Number	202551629
Deed Book / Page	20062 / 1501
Prior Transfer Date	Nov 16, 2007
Prior Transfer Doc	0138621012
Record Updated	Oct 29, 2026

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	OCEAN NJ
Recording Date	Jul 14, 2020
Property Address	390 E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2408
Document Number	0179650170
Book / Page	17965 / 170
Instrument Date	Jul 8, 2020
Instrument	2020073146
Transaction Type	Transfer
Record Updated	Nov 3, 2021
Title Company	GROUP 21 TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,364.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7 SALERNO CT, 7, TOMS RIVER, NJ 08757-4105

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	390 E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2408

Mortgage

Document Number	2020073147
Date	Jul 14, 2020
Instrument	2020073147

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 390 E Millstream Rd was $7,186, up 12.7% from the year before.

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		$487,100 (+137.73%) Land $181,200 Building $305,900	$487,100 (+137.73%) Land $181,200 Building $305,900
2025	$7,186.00 (+12.74%)	$204,900 Land $115,600 Building $89,300	$204,900 Land $115,600 Building $89,300
2024	$6,374.00
2023		$204,900 Land $115,600 Building $89,300	$204,900 Land $115,600 Building $89,300
2022	$5,675.00

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

Flood

FEMA maps place 390 E Millstream Rd in Zone X, an area of minimal flood risk, within 500 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 minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

Wildfire risk around 390 E Millstream Rd is moderate, ranking above 66% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 66% of the US · above 79% 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.

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