Cape May County and Cape May City property record for 413 Clay St, Cape May, NJ 08204
| Property Type | Single Family Home |
|---|---|
| Details | 2,107 sqft · built 2002 |
| Lot Size | 1.38 acres (60,505 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,325,000 (Aug 2022) |
| Tax Bill | $6,847 (2024) |
| Deeds & Mortgages | Jan 2023 Line of Credit Aug 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-01061-0000-00064-03 |
| Primary APN | 02-01061-0000-00064-03 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,107 sqft Living Area |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Construction Type | Frame |
| Lot Area | 60,505 sqft |
| Garage Type | Attached |
| Street Address | 413 CLAY ST |
|---|---|
| City | CAPE MAY |
| State | NJ |
| Zip | 08204-1776 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Subdivision | VICTORIA PARK |
| Legal Block | 1061 |
| Legal Lot Number | 64.3 |
| Jurisdiction | CAPE MAY NJ |
| Township / Civil Division | CAPE MAY |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 22000 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Cape May Historic District (Additional Documentation) listed 1970 · 600 contributing resources · National Historic Landmark (designated 1976) · NRIS 70000383 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
413 Clay St is owned and occupied by two individuals who bought it in August 2022.
Source: Cape May County and Cape May City records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 548 LUCINDA LN, MECHANICSBURG, PA 17055-5368 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Jan 9, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Aug 9, 2022 | Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 9, 2022 · Amount on File |
| Deed Sale | Aug 9, 2022 · Amount on File |
| Prior Sale | Jul 1, 2002 · Amount on File |
| Deed Document Number | 202225649 |
| Deed Book / Page | 4072 / 228 |
| Prior Transfer Date | Jan 28, 2005 |
| Prior Transfer Doc | 0031340892 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAPE MAY NJ |
| Property Address | 413 CLAY ST, CAPE MAY, NJ 08204-1776 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000000438 |
|---|---|
| Date | Jan 9, 2023 |
| Book Page | M6619/431 |
| Instrument | 2023000438 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Dec 14, 2047 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CAPE MAY NJ |
| Recording Date | Aug 9, 2022 |
| Property Address | 413 CLAY ST, CAPE MAY, NJ 08204-1776 |
| Document Number | 0000025649 |
| Book / Page | D4072 / 228 |
| Instrument Date | Aug 1, 2022 |
| Instrument | 2022025649 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 548 LUCINDA LN, MECHANICSBURG, PA 17055-5368 |
| Document Number | 0000025650 |
|---|---|
| Date | Aug 9, 2022 |
| Instrument | 2022025650 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
Source: Cape May County and Cape May City assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Cape May County |
| Municipality | Cape May City |
| Elementary School District | Cape May City School District (KG - 06) |
| Secondary School District | Lower Cape May Regional School District (07 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $671,500 (-) Land $330,500 Building $341,000 | $671,500 (-) Land $330,500 Building $341,000 | |
| 2025 | $671,500 Land $330,500 Building $341,000 | $671,500 Land $330,500 Building $341,000 | |
| 2024 | $6,847.00 | ||
| 2023 | $650,400 Land $330,500 Building $319,900 | $650,400 Land $330,500 Building $319,900 | |
| 2022 | $6,462.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 413 Clay St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective October 4, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 329 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 598 units insured incl. 269 condo units |
| Nearby Flood Claims | 344 (1979–2021) |
| Claims Outside the SFHA | 12 of 344 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
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 risk around 413 Clay St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.5% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CAPE MAY WATER & SEWER U serves 35,000 people · EPA ID NJ0502001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jan 2024 |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 714 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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