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3909 Central Ave, #2, Ocean City, NJ 08226 Property Records

Cape May County and Ocean City property record for 3909 Central Ave, #2, Ocean City, NJ 08226

Property Summary

Property TypeCondominium
Details1,740 sqft · built 1985
Lot Size0.101 acres (4,400 sqft)
OwnerIndividual Name on File
Last Sale$2,250,000 (Jan 2024)
Tax Bill$13,327 (2024)
Deeds & MortgagesMar 2021 Mortgage
Oct 2020 Mortgage
Flood ZoneZone AE (high risk)
APN08 03901-0000-00009-02-C2

Property Details

APN / Parcel Number

Primary APN08 03901-0000-00009-02-C2

Interior

Stories1 Story
Building Area1,740 sqft Living Area

Exterior

Year BuiltBuilt 1985
Exterior MaterialWood
Construction TypeFrame
Lot Area4,400 sqft (0.101 acres)
Lot Dimensions100 ft deep x 40 ft wide

Location & Zoning

Street Address3909 CENTRAL AVE # 2, 2
CityOCEAN CITY
StateNJ
Zip08226-1730
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionADDITIONAL LOTS: 14.01,OB3901, L888-950
Legal SubdivisionOCEAN 39 CONDO
Legal Block3901
Legal Lot Number9.02
JurisdictionCAPE MAY NJ
Township / Civil DivisionOCEAN CITY
Census Block Group2
Census Block2003
Census Tract20206

Owner

3909 Central Ave, #2 is owned by an individual who bought it in January 2024.

Source: Cape May County and Ocean City records, as of October 17, 2025

Owner of RecordIndividual Name on File
Owner TypeIndividual

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

DateDocument
Mar 22, 2021Deed of Trust, Mortgage
EMM LNS LLC
Oct 30, 2020Deed of Trust, Mortgage
EMM LNS LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 8, 2024 · Amount on File
Deed SaleJan 8, 2024 · Amount on File
Deed Document Number0004152442
Record UpdatedJun 8, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCAPE MAY NJ
Property Address3909 CENTRAL AVE # 2, 2, OCEAN CITY, NJ 08226-1730
Document Number0063660934
Instrument DateMar 22, 2021
Transaction TypeMortgage
Record UpdatedApr 14, 2021
Title CompanyNATIONAL TITLE INSURANCE COMPANY, NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3911 CENTRAL AVE OCEAN CITY NJ 082261730, OCEAN CITY, NJ 08226-1730

Mortgage

Document Number0063660934
DateApr 1, 2021
Book Page006366/000934
Instrument16583
Lender
NameEMM LNS LLC
AddressCHERRY HILL, NJ 08002
Agreement
AmountAmount on Record
Term360 Months
DueMar 31, 2051

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCAPE MAY NJ
Property Address3909 CENTRAL AVE # 2, 2, OCEAN CITY, NJ 08226-1730
Document Number0062930555
Instrument DateOct 30, 2020
Transaction TypeMortgage
Record UpdatedDec 30, 2020
Title CompanyFREEDOM TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3911 CENTRAL AVE #2 OCEAN CITY NJ 082261730, 2, OCEAN CITY, NJ 08226-1730

Mortgage

Document Number0062930555
DateDec 16, 2020
Book Page006293/000555
Instrument45179
Lender
NameEMM LNS LLC
AddressCHERRY HILL, NJ 08002
Agreement
AmountAmount on Record
Term360 Months
DueDec 15, 2050

Tax Assessment & Valuation

Source: Cape May County and Ocean City assessment roll, as of January 1, 2025

Property Jurisdictions

TypeName
StateNew Jersey
CountyCape May County
MunicipalityOcean City
Unified School DistrictOcean City School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$862,500 Land $862,500$862,500 Land $862,500
2024$13,327.00
2023$1,187,800 Land $862,500 Building $325,300$1,187,800 Land $862,500 Building $325,300
2022$12,222.00

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 3909 Central Ave, #2 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 116 individual policies
Community Rating SystemClass 4 (30% premium discount)
Nearby Flood Policies633 units insured
incl. 517 condo units
Nearby Flood Claims727 (1978–2021)
Claims Outside the SFHA2 of 727
Most Recent ClaimJul 2021 · other causes
Claims by Event
  • Hurricane Sandy, Nov 2012 · 360 claims
  • Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 118 claims
  • Coastal Storms & Flooding, Apr 1984 · 54 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

Wildfire risk around 3909 Central Ave, #2 is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 94% of the US · lower than 83% of New Jersey
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemNJ AMERICAN WATER - OCEAN CITY
private · serves 127,000 people · EPA ID NJ0508001
Water SourceGroundwater
Last State InspectionApr 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 669 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		1,000 / 75
AT&T
Fixed Wireless		100 / 20
T-Mobile
Fixed Wireless		100 / 20

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