409 E Millstream Rd, #A, Cream Ridge, NJ 08514 Property Records

Ocean County and Plumsted Township property record for 409 E Millstream Rd, #A, Cream Ridge, NJ 08514

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,208 sqft · built 2001
Lot Size	1.51 acres (65,776 sqft)
Owner	2 Individual Names on Record
Last Sale	$625,000 (Mar 2025)
Tax Bill	$11,180 (2025)
Deeds & Mortgages	Mar 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-00060-0000-00011`

Property Details

APN / Parcel Number

Primary APN	`24-00060-0000-00011`
Alternative APN	`240006000011`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,208 sqft Living Area
Gross Area	3,108 sqft
Basement Area	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asbestos
Lot Area	65,776 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	409A E MILLSTREAM RD
City	CREAM RIDGE
State	NJ
Zip	08514-2414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Description	1.51 AC 12,13
Legal Subdivision	TOWNSHIP/PLUMSTED
Legal Block	60
Legal Lot Number	11
Jurisdiction	OCEAN NJ
Township / Civil Division	PLUMSTED
Census Block Group	4
Census Block	4007
Census Tract	718000

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	409A E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2414
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2025 · Amount on Record
Deed Sale	Mar 26, 2025 · Amount on Record
Prior Sale	Nov 26, 2002 · Amount on Record
Deed Document Number	202522342
Deed Book / Page	19964 / 529
Record Updated	Sep 20, 2026

March 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	OCEAN NJ
Recording Date	Mar 26, 2025
Property Address	409 E MILLSTREAM RD # A, A, CREAM RIDGE, NJ 08514-2414
Document Number	0199640529
Book / Page	19964 / 529
Instrument Date	Mar 20, 2025
Instrument	2025022342
Transaction Type	Transfer
Record Updated	Nov 4, 2025
Title Company	PURE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	962 WALLACE AVE, ROEBLING, NJ 08554-1712

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	409 E MILLSTREAM RD # A, A, CREAM RIDGE, NJ 08514-2414

Mortgage

Document Number	2025022343
Date	Mar 26, 2025
Instrument	2025022343

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

Tax Assessment & Valuation

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		$602,600 (+89.02%) Land $194,200 Building $408,400	$602,600 (+89.02%) Land $194,200 Building $408,400
2025	$11,180.00 (+12.74%)	$318,800 (-) Land $125,500 Building $193,300	$318,800 (-) Land $125,500 Building $193,300
2024	$9,917.00 (+12.31%)
2023		$318,800 Land $125,500 Building $193,300	$318,800 Land $125,500 Building $193,300
2022	$8,830.00

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 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

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

Wildfire Risk	Moderate above 62% of the US · above 77% 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 142 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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