403 Reading Ave, Cape May, NJ 08204 Property Records

Cape May County and Cape May City property record for 403 Reading Ave, Cape May, NJ 08204

Property Summary

Property Type	Single Family Home
Details	2,202 sqft · built 1970
Lot Size	0.145 acres (6,299 sqft)
Owner	2 Individual Names on File
Last Sale	$510,000 (May 2012)
Tax Bill	$7,895 (2024)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`02-01134-0000-00024`

Property Details

APN / Parcel Number

Primary APN	`02-01134-0000-00024`
Alternative APNs	`020113400024` `2609`

Interior

Stories	1 Story
Building Area	2,202 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Construction Type	Frame
Lot Area	6,299 sqft (0.145 acres)
Lot Dimensions	100 ft deep x 63 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	2609
Street Address	403 READING AVE
City	CAPE MAY
State	NJ
Zip	08204-2654
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Subdivision	CAPE MAY CITY
Legal Block	1134
Legal Lot Number	24
Jurisdiction	CAPE MAY NJ
Township / Civil Division	CAPE MAY
Census Block Group	4
Census Block	4030
Census Tract	22000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Cape May Historic District (Additional Documentation) listed 1970 · 600 contributing resources · National Historic Landmark (designated 1976) · NRIS 70000383

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

403 Reading Ave is owned by two individuals who bought it in May 2012.

Source: Cape May County and Cape May City records, as of July 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1529 WINDING BROOK RUN, GARNET VALLEY, PA 19060-1922
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	2 Names on Deed
Last Sale	May 23, 2012 · Amount on File
Deed Sale	May 23, 2012 · Amount on File
Prior Sale	May 14, 2004 · Amount on File
Deed Document Number	2012240
Deed Book / Page	3493 / 887
Prior Transfer Date	Apr 22, 2004
Prior Transfer Doc	0030790950
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAPE MAY NJ
Property Address	403 READING AVE, CAPE MAY, NJ 08204-2654
Document Number	0062520821
Instrument Date	Sep 22, 2020
Transaction Type	Mortgage
Record Updated	Oct 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	403 READING AVE CAPE MAY NJ 082042654, CAPE MAY, NJ 08204-2654

Mortgage

Document Number	0062520821
Date	Oct 5, 2020
Book Page	006252/000821
Instrument	33637

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	907 PLEASANT VALLEY AVE, MOUNT LAUREL, NJ 08054-1210

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 4, 2050

Tax Assessment & Valuation

Source: Cape May County and Cape May City assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Cape May County
Municipality	Cape May City
Elementary School District	Cape May City School District (KG - 06)
Secondary School District	Lower Cape May Regional School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$747,000 (-) Land $436,900 Building $310,100	$747,000 (-) Land $436,900 Building $310,100
2025		$747,000 Land $436,900 Building $310,100	$747,000 Land $436,900 Building $310,100
2024	$7,895.00
2023		$747,000 Land $436,900 Building $310,100	$747,000 Land $436,900 Building $310,100
2022	$7,709.00

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

Flood

FEMA maps place 403 Reading Ave in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 4, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 310 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	316 units insured incl. 6 condo units
Nearby Flood Claims	5 (1985–2016)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Feb 2016 · other causes

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

The area around 403 Reading Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land 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	CAPE MAY WATER & SEWER U serves 35,000 people · EPA ID NJ0502001
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2024
Monitoring and Reporting	2 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 429 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20