409 Main Ave, Bay Head (Point Pleasant Beach), NJ 08742 Property Records

Ocean County and Bay Head Borough property record for 409 Main Ave, Bay Head, NJ 08742

Property Summary

Property Type	Single Family Home
Details	6 bd · 2 ba · 3,042 sqft · built 1890
Lot Size	0.138 acres (5,998 sqft)
Owner	2 Individual Names on Record
Tax Bill	$15,394 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Feb 2020 Mortgage
Flood Zone	Zone AO (high risk)
APN	`03-00035-0000-00005`

Property Details

APN / Parcel Number

Primary APN	`03-00035-0000-00005`
Alternative APN	`030003500005`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,042 sqft Living Area
Gross Area	4,633 sqft
Basement Area	1,591 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Colonial
Construction Type	Frame
Roof Type	Gable
Roof Material	Asbestos
Lot Area	5,998 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	409 MAIN AVE
City	BAY HEAD
State	NJ
Zip	08742-4737
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-50
Legal Description	60X100
Legal Subdivision	BAY HEAD LAND CO MAP
Legal Block	35
Legal Lot Number	5
Jurisdiction	OCEAN NJ
Township / Civil Division	BAY HEAD
Census Block Group	4
Census Block	4022
Census Tract	739200

Historic Designation

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

Historic District	Within the Bay Head Historic District listed 2006 · 552 contributing resources · NRIS 05001566

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

Owner

Source: Ocean County and Bay Head Borough 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	409 MAIN AVE, BAY HEAD, NJ 08742-4737
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Feb 20, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UBS BANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 3, 2020
Transfer Doc	0177941603
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Property Address	409 MAIN AVE, BAY HEAD, NJ 08742-4737
Transaction Type	Mortgage
Record Updated	Mar 16, 2021
Title Company	ALL PRO TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0183420717
Date	Mar 1, 2021
Book Page	18342/717
Instrument	2021032533

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OCEAN NJ
Recording Date	Feb 20, 2020
Property Address	409 MAIN AVE, BAY HEAD, NJ 08742-4737
Document Number	0177941603
Book / Page	17794 / 1603
Instrument Date	Jan 3, 2020
Instrument	2020018853
Transaction Type	Transfer
Record Updated	Nov 3, 2021
Title Company	SYNRGO INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	409 MAIN AVENUE, NAY HEAD, NJ

Mortgage

Document Number	2020018854
Date	Feb 20, 2020
Instrument	2020018854

Lender

Name	UBS BANK USA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

Source: Ocean County and Bay Head Borough assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Ocean County
Municipality	Bay Head Borough
Unified School District	Bay Head Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,393,100 (-) Land $900,000 Building $493,100	$1,393,100 (-) Land $900,000 Building $493,100
2025	$15,394.00 (+9.41%)	$1,393,100 (-) Land $900,000 Building $493,100	$1,393,100 (-) Land $900,000 Building $493,100
2024	$14,070.00 (+12.23%)
2023		$1,393,100 Land $900,000 Building $493,100	$1,393,100 Land $900,000 Building $493,100
2022	$12,537.00

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 AO high risk · sheet flow 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 607 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	619 units insured incl. 12 condo units
Nearby Flood Claims	228 (1992–2024)
Claims Outside the SFHA	24 of 228
Most Recent Claim	Jan 2024 · other causes
Claims by Event	Hurricane Sandy, Nov 2012 · 197 claims Hurricane Irene, Aug 2011 · 15 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 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	NJ AMERICAN WATER - COASTAL NORTH private · serves 377,613 people · EPA ID NJ1345001
Water Source	Surface water
Last State Inspection	Sep 2023
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Sep 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 177 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

May also be available: Optimum.

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