415 E Millstream Rd, Cream Ridge, NJ 08514 Property Records

Ocean County and Plumsted Township property record for 415 E Millstream Rd, Cream Ridge, NJ 08514

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,440 sqft · built 1970
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,017 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-00060-0000-00005`

Property Details

APN / Parcel Number

Primary APN	`24-00060-0000-00005`
Alternative APN	`240006000005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,440 sqft Living Area
1st Floor Area	1,440 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Cape Cod
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asbestos
Lot Area	47,916 sqft
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	415 E MILLSTREAM RD
City	CREAM RIDGE
State	NJ
Zip	08514-2414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Description	1.10 AC
Legal Block	60
Legal Lot Number	5
Jurisdiction	OCEAN NJ
Township / Civil Division	PLUMSTED
Census Block Group	4
Census Block	4007
Census Tract	718000

Owner

Source: Ocean County and Plumsted Township 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	415 E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2414
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 15, 2020	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Property Address	415 E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2414
Transaction Type	Mortgage
Record Updated	Mar 27, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 E MXLLSTREAM RD, CREAM RIDGE, NJ 08514-2414

Mortgage

Document Number	0203060400
Date	Mar 9, 2026
Book Page	20306/400
Instrument	2026018356

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Property Address	415 E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2414
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 E MILLSTREAM RO, PLUMSTED, NJ

Mortgage

Document Number	0181051425
Date	Oct 15, 2020
Book Page	18105/1425
Instrument	2020118671

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	237 Months
Due	Jul 1, 2040

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$403,700 (+76.6%) Land $181,200 Building $222,500	$403,700 (+76.6%) Land $181,200 Building $222,500
2025	$8,017.00 (+12.74%)	$228,600 (-) Land $121,400 Building $107,200	$228,600 (-) Land $121,400 Building $107,200
2024	$7,111.00 (+12.3%)
2023		$228,600 Land $121,400 Building $107,200	$228,600 Land $121,400 Building $107,200
2022	$6,332.00

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2024 · rainfall accumulation

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	Moderate above 62% of the US · above 77% of New Jersey
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 142 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Optimum.

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