412 E 4th St, Ocean City, NJ 08226 Property Records

Cape May County and Ocean City property record for 412 E 4th St, Ocean City, NJ 08226

Property Summary

Property Type	Single Family Home
Lot Size	0.407 acres (17,711 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Dec 2003)
Tax Bill	$5,613 (2024)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Nov 2021 Refinance
Flood Zone	Zone AE (high risk)
APN	`08-00407-0000-00014`

Property Details

APN / Parcel Number

Primary APN	`08-00407-0000-00014`

Interior

Stories	2 Stories

Exterior

Construction Type	Frame
Lot Area	17,711 sqft (0.407 acres)

Location & Zoning

Street Address	412 E 4TH ST
City	OCEAN CITY
State	NJ
Zip	08226-3910
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	407
Legal Lot Number	14
Jurisdiction	CAPE MAY NJ
Township / Civil Division	OCEAN CITY
Census Block Group	4
Census Block	4000
Census Tract	20101

Historic Designation

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

Historic District	Within the Ocean City Residential Historic District listed 2003 · 157 contributing resources · NRIS 03000129

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

Owner

412 E 4th St is owned by two individuals who bought it in December 2003.

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

Owner of Record	2 Individual Names on File
Mailing Address	67 GRANT AVE, CHERRY HILL, NJ 08002-3536
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

Date	Document
Jul 16, 2026	Deed, Transfer · Conventional Mortgage GUARANTEED RATE
Nov 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2003 · Amount on File
Deed Sale	Dec 10, 2003 · Amount on File
Prior Sale	Aug 25, 2003 · Amount on File
Deed Book / Page	3054 / 894
Record Updated	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CAPE MAY NJ
Recording Date	Jul 16, 2026
Property Address	412 E 4TH ST, OCEAN CITY, NJ 08226-3910
Document Number	0000102525
Book / Page	4292 / 550
Instrument Date	Jul 2, 2026
Instrument	2026102525
Transaction Type	Transfer
Record Updated	Jul 27, 2026
Title Company	BAY SURETY TITLE, SURETY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$93,829.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 TOWNSEND DR, FLORHAM PARK, NJ 07932-2322

Mortgage

Document Number	0000102526,
Date	Jul 16, 2026
Instrument	2026102526

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAPE MAY NJ
Property Address	412 E 4TH ST, OCEAN CITY, NJ 08226-3910
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049003
Date	Nov 5, 2021
Book Page	6481/243
Instrument	2021049003

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2041

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New Jersey
County	Cape May County
Municipality	Ocean City
Unified School District	Ocean City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$500,300 (-) Land $232,900 Building $267,400	$500,300 (-) Land $232,900 Building $267,400
2025		$500,300 Land $232,900 Building $267,400	$500,300 Land $232,900 Building $267,400
2024	$5,613.00
2023		$500,300 Land $232,900 Building $267,400	$500,300 Land $232,900 Building $267,400
2022	$5,148.00

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

Flood

FEMA maps place 412 E 4th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 193 individual policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	786 units insured incl. 593 condo units
Nearby Flood Claims	335 (1979–2020)
Most Recent Claim	Sep 2020 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 212 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 43 claims Severe Coastal Storm, Jan 1992 · 22 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

The area around 412 E 4th St 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	NJ AMERICAN WATER - OCEAN CITY private · serves 127,000 people · EPA ID NJ0508001
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 1,111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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