412 Stone Harbor Ave, Ocean Gate, NJ 08740 Property Records

Ocean County and Ocean Gate Borough property record for 412 Stone Harbor Ave, Ocean Gate, NJ 08740

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 864 sqft · built 2023
Lot Size	0.092 acres (3,999 sqft)
Owner	Individual Name on File
Last Sale	$151,000 (Feb 2021)
Tax Bill	$11,951 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Feb 2021 Sale
Flood Zone	Zone AE (high risk)
APN	`22-00042-0000-00012`

Property Details

APN / Parcel Number

Primary APN	`22-00042-0000-00012`
Alternative APNs	`2200042000002042` `220004200012`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	3 Stories
Building Area	864 sqft Living Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asbestos
Lot Area	3,999 sqft (0.092 acres)
Lot Dimensions	100 ft deep x 40 ft wide
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	2200042000002042
Street Address	412 STONE HARBOR AVE
City	OCEAN GATE
State	NJ
Zip	08740-1468
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	40X100
Legal Subdivision	OCEAN GATE SEC 01 SUPPL
Legal Block	42
Legal Lot Number	12
Jurisdiction	OCEAN NJ
Township / Civil Division	OCEAN GATE
Census Block Group	1
Census Block	1022
Census Tract	729000

Owner

412 Stone Harbor Ave is owned by an individual who bought it in February 2021.

Source: Ocean County and Ocean Gate Borough records, as of July 7, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 256, OCEAN GATE, NJ 08740-0256
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
Dec 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage OCEANFIRST BANK
Feb 3, 2021	Deed, Transfer SOUTHERN SHRS TITLE AGENCY L, SOUTHERN SHORES TTL AGCY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2021 · Amount on File
Deed Sale	Feb 3, 2021 · Amount on File
Deed Document Number	202117263
Deed Book / Page	18294 / 1021
Prior Transfer Date	Aug 23, 2013
Prior Transfer Doc	0156260037
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Property Address	412 STONE HARBOR AVE, OCEAN GATE, NJ 08740-1468
Transaction Type	Mortgage
Record Updated	Dec 27, 2021
Title Company	COASTLINE TITLE AGENCY INC, COASTLINE TITLE AT SHORE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 STONE HARBOR AVE, OCEAN GATE, NJ 08740-1468

Mortgage

Document Number	0188141655
Date	Dec 9, 2021
Book Page	18814/1655
Instrument	2021174939

Lender

Name	OCEANFIRST BANK
Type	Bank
Address	TOMS RIVER, NJ 08753

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	OCEAN NJ
Recording Date	Feb 3, 2021
Property Address	412 STONE HARBOR AVE, OCEAN GATE, NJ 08740-1468
Document Number	0182941021
Book / Page	18294 / 1021
Instrument Date	Jan 27, 2021
Instrument	2021017263
Transaction Type	Transfer
Record Updated	Nov 3, 2021
Title Company	SOUTHERN SHRS TITLE AGENCY L, SOUTHERN SHORES TTL AGCY LLC

Transaction

Amount	Amount on Record
Tax	$606.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	720 PROSPECT AVE, 720, PINE BEACH, NJ 08741-1230

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 E RIVIERA AVE, OCEAN GATE, NJ 08740-1466

Tax Assessment & Valuation

The 2025 property tax bill for 412 Stone Harbor Ave was $11,951, up 10.8% from the year before.

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

Property Jurisdictions

Type	Name
State	New Jersey
County	Ocean County
Municipality	Ocean Gate Borough
Secondary School District	Central Regional School District (07 - 12)
Elementary School District	Ocean Gate Borough School District (KG - 06)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$656,300 (-) Land $151,000 Building $505,300	$656,300 (-) Land $151,000 Building $505,300
2025	$11,951.00 (+10.77%)	$656,300 Land $151,000 Building $505,300	$656,300 Land $151,000 Building $505,300
2024	$10,789.00
2023		$60,700 Land $60,700	$60,700 Land $60,700
2022	$1,688.00

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 412 Stone Harbor Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 16, 2022 · 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	5.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 206 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	206 in force
Nearby Flood Claims	338 (1979–2026)
Claims Outside the SFHA	25 of 338
Most Recent Claim	Feb 2026 · other causes
Claims by Event	Hurricane Sandy, Nov 2012 · 261 claims Hurricane Irene, Aug 2011 · 5 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 30 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 Stone Harbor 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	OCEAN GATE WATER DEPT serves 3,200 people · EPA ID NJ1521001
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 479 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Nearby Properties on Stone Harbor Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures