4 Montego St, Toms River, NJ 08757 Property Records

Ocean County and Berkeley Township property record for 4 Montego St, Toms River, NJ 08757

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,124 sqft · built 1974
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$95,000 (Jan 2014)
Tax Bill	$2,663 (2025)
Deeds & Mortgages	Mar 2022 Reverse Mortgage Sep 2020 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-00004-76-00018`

Property Details

APN / Parcel Number

Primary APN	`06-00004-76-00018`
Alternative APNs	`0600004007600018` `0600004H7600018`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,124 sqft Living Area
1st Floor Area	1,124 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Roof Type	Hip
Roof Material	Asbestos
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	0600004H7600018
Street Address	4 MONTEGO ST
City	TOMS RIVER
State	NJ
Zip	08757-4221
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PRRC
Legal Description	50X100
Legal Subdivision	HOLIDAY CITY/BERKELEY SEC G
Legal Block	4.76
Legal Lot Number	18
Jurisdiction	OCEAN NJ
Township / Civil Division	BERKELEY
Census Block Group	3
Census Block	3006
Census Tract	731202

Owner

4 Montego St is owned and occupied by two individuals who bought it in January 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	4 MONTEGO ST, TOMS RIVER, NJ 08757-4221
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

Date	Document
Mar 25, 2022	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Sep 15, 2020	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Aug 26, 2020	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2014 · Amount on File
Deed Sale	Jan 31, 2014 · Amount on File
Prior Sale	Nov 15, 1999 · Amount on File
Deed Document Number	20147745
Deed Book / Page	15736 / 1874
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Property Address	4 MONTEGO ST, TOMS RIVER, NJ 08757-4221
Transaction Type	Mortgage
Record Updated	Apr 17, 2023
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 MONTEGO ST, TOMS RIVER, NJ 08757-4221

Mortgage

Document Number	0189660940
Date	Mar 25, 2022
Book Page	18966/940
Instrument	2022037231

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.06%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	8.06%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Property Address	4 MONTEGO ST, TOMS RIVER, NJ 08757-4221
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 MONTEGO ST, TOMS RIVER, NJ 08757-4221

Mortgage

Document Number	0180541526
Date	Sep 15, 2020
Book Page	18054/1526
Instrument	2020102348

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.14%
Type Change Date	Sep 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Property Address	4 MONTEGO ST, TOMS RIVER, NJ 08757-4221
Document Number	0180541542
Instrument Date	Aug 26, 2020
Transaction Type	Mortgage
Record Updated	Oct 21, 2020
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 MONTEGO ST TOMS RIVER NJ 087574221, TOMS RIVER, NJ 08757-4221

Mortgage

Document Number	0180541542
Date	Sep 15, 2020
Book Page	018054/001542
Instrument	102349

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	984 Months

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4 Montego St was $2,663 with a veteran's exemption, up 19.5% from the year before.

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

Property Jurisdictions

Type	Name
State	New Jersey
County	Ocean County
County Subdivision	Berkeley Township
Elementary School District	Berkeley Township School District (KG - 06)
Secondary School District	Central Regional School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$102,800 (-) Land $30,000 Building $72,800	$102,800 (-) Land $30,000 Building $72,800
2025	$2,663.00 (+19.52%) Veteran's exemption	$102,800 Land $30,000 Building $72,800	$102,800 Land $30,000 Building $72,800
2024	$2,228.00
2023		$102,800 Land $30,000 Building $72,800	$102,800 Land $30,000 Building $72,800
2022	$2,090.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4 Montego St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1992.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1992–2012)
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Hurricane Sandy, Oct 2012 · 2 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 4 Montego St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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 System	VEOLIA WATER NEW JERSEY TOMS RIVER private · serves 123,184 people · EPA ID NJ1507005
Water Source	Groundwater
Last State Inspection	Mar 2023
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 640 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35

May also be available: AT&T.

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