409 Sinclair Ave, Lanoka Harbor, NJ 08734 Property Records

Ocean County and Lacey Township property record for 409 Sinclair Ave, Lanoka Harbor, NJ 08734

Property Summary

Property Type	Exempt (Full or Partial)
Details	3 bd · 2 ba · 1,598 sqft · built 2000
Lot Size	0.188 acres (8,198 sqft)
Owner	2 Individual Names on File
Last Sale	$491,000 (Jan 2026)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2026 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`13-00893-0000-00017`

Property Details

APN / Parcel Number

Primary APN	`13-00893-0000-00017`
Alternative APNs	`130089300017` `201530`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,598 sqft Gross Area
1st Floor Area	1,598 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asbestos
Lot Area	8,198 sqft (0.188 acres)
Lot Dimensions	100 ft deep x 82 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	201530
Street Address	409 SINCLAIR AVE
City	LANOKA HARBOR
State	NJ
Zip	08734-1931
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	R-75
Legal Description	82 X 100 DISABLED VETERAN
Legal Subdivision	SEA VIEW MANOR
Legal Block	893
Legal Lot Number	17
Jurisdiction	OCEAN NJ
Township / Civil Division	LACEY
Census Block Group	3
Census Block	3001
Census Tract	732101

Owner

409 Sinclair Ave is owned by two individuals who bought it in January 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	409 SINCLAIR AVE, LANOKA HARBOR, NJ 08734-1931
Owner Type	Individual
Vesting	Husband and Wife

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
Feb 12, 2021	Deed of Trust, Mortgage KEARNY BANK
Jan 20, 2026	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2026 · Amount on File
Deed Sale	Jan 20, 2026 · Amount on File
Prior Sale	Mar 28, 2000 · Amount on File
Deed Document Number	20265129
Deed Book / Page	20261 / 1961
Prior Transfer Date	Sep 20, 2006
Prior Transfer Doc	0133441051
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Property Address	409 SINCLAIR AVE, LANOKA HARBOR, NJ 08734-1931
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0183150203
Date	Feb 12, 2021
Book Page	18315/203
Instrument	2021023875

Lender

Name	KEARNY BANK
Type	Bank
Address	FAIRFIELD, NJ 07004

Agreement

Amount	Amount on Record

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	OCEAN NJ
Recording Date	Jan 20, 2026
Property Address	409 SINCLAIR AVE, LANOKA HARBOR, NJ 08734-1931
Document Number	0202611961
Book / Page	20261 / 1961
Instrument Date	Jan 12, 2026
Instrument	2026005129
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	CLEAR TO CLOSE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,088.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	323 MILLNER RD, STRASBURG, VA 22657-3239

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 SINCLAIR AVE, LANOKA HARBOR, NJ 08734-1931

Mortgage

Document Number	2026005130
Date	Jan 20, 2026
Instrument	2026005130

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New Jersey
County	Ocean County
County Subdivision	Lacey Township
Unified School District	Lacey Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$239,500 (-) Land $78,000 Building $161,500	$239,500 (-) Land $78,000 Building $161,500
2025		$239,500 Land $78,000 Building $161,500	$239,500 Land $78,000 Building $161,500
2023	Disabled Person's exemption Veteran's exemption	$239,500 Land $78,000 Building $161,500	$239,500 Land $78,000 Building $161,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 409 Sinclair Ave in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	5 in force

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 409 Sinclair 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	LACEY TWP MUA serves 29,000 people · EPA ID NJ1512001
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2023
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 467 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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