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404 E Surf Rd, Ocean City, NJ 08226 Property Records

Cape May County and Ocean City property record for 404 E Surf Rd, Ocean City, NJ 08226

Property Summary

Property TypeSingle Family Home
Details1,470 sqft · built 1942
Lot Size0.07 acres (3,054 sqft)
Owner2 Individual Names on Record
Last Sale$200,000 (Feb 1999)
Tax Bill$14,619 (2024)
Deeds & MortgagesMar 2016 Loan Modification
Flood ZoneZone AE (high risk)
APN08-00070-27-00002

Property Details

APN / Parcel Number

Primary APN08-00070-27-00002
Alternative APN
  • 0800070002700002

Interior

Stories3 Stories
Building Area1,470 sqft Living Area

Exterior

Year BuiltBuilt 1942
Effective Year BuiltEffective 2014
Construction TypeFrame
Lot Area3,054 sqft (0.07 acres)
Lot Dimensions63 ft deep x 49 ft wide
Garage TypeAttached

Location & Zoning

Street Address404 E SURF RD
CityOCEAN CITY
StateNJ
Zip08226-4555
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionOB23G L2301B
Legal SubdivisionMCLAUGHLAN-CONOVER CO PLAN #3
Legal Block70.27
Legal Lot Number2
JurisdictionCAPE MAY NJ
Township / Civil DivisionOCEAN CITY
Census Block Group2
Census Block2008
Census Tract20201

Owner

Source: Cape May County and Ocean City records, as of June 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address46 WARREN WAY, BURLINGTON, NJ 08016-3941
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 2, 1999 · Amount on Record
Deed SaleFeb 2, 1999 · Amount on Record
Deed Book / Page2790 / 415
Record UpdatedSep 20, 2026

March 2016: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionCAPE MAY NJ
Property Address404 E SURF RD, OCEAN CITY, NJ 08226-4555
Document Number0058420668
Instrument DateMar 19, 2016
Transaction TypeMortgage
Record UpdatedAug 25, 2018
Title CompanySERVICELINK EAST

Transferred To (Grantee/Buyer)

NameVerified Name
Address404 E SURF RD OCEAN CITY NJ 082264555, OCEAN CITY, NJ 08226-4555

Mortgage

Document Number0058420668
DateFeb 16, 2017
Book Page005842/000668
Lender
NameBANK OF AMERICA
TypeBank
AddressJACKSONVILLE, FL 32256
Agreement
AmountAmount Recorded
Term360 Months
DueFeb 15, 2047

Tax Assessment & Valuation

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

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
2026$1,303,000 (-) Land $673,400 Building $629,600$1,303,000 (-) Land $673,400 Building $629,600
2025$1,303,000 (-) Land $673,400 Building $629,600$1,303,000 (-) Land $673,400 Building $629,600
2024$14,619.00 (+9.04%)
2023$1,303,000 Land $673,400 Building $629,600$1,303,000 Land $673,400 Building $629,600
2022$13,407.00

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

Flood

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 Elevation11.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 372 individual policies
Community Rating SystemClass 4 (30% premium discount)
Nearby Flood Policies471 units insured
incl. 99 condo units
Nearby Flood Claims97 (1978–2012)
Claims Outside the SFHA1 of 97
Most Recent ClaimOct 2012 · Hurricane Sandy
Claims by Event
  • Hurricane Sandy, Oct 2012 · 79 claims
  • Severe Storms And Flooding Associated With Tropical Depression Ida And A Nor'eas, Nov 2009 · 2 claims
  • Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 5 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

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

Wildfire RiskNot 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 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 132 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250

May also be available: Verizon.

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