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

Ocean County and Plumsted Township property record for 416 E Millstream Rd, Cream Ridge, NJ 08514

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,268 sqft · built 1970
Lot Size	0.184 acres (8,002 sqft)
Owner	2 Individual Names on Record
Last Sale	$243,000 (Jan 2022)
Tax Bill	$5,990 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-00063-0000-00013`

Property Details

APN / Parcel Number

Primary APN	`24-00063-0000-00013`
Alternative APN	`240006300013`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,268 sqft Living Area
1st Floor Area	1,268 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asbestos
Lot Area	8,002 sqft (0.184 acres)
Lot Dimensions	100 ft deep x 80 ft wide
Parking Spaces	1 Parking Space
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	416 E MILLSTREAM RD
City	CREAM RIDGE
State	NJ
Zip	08514-2410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Description	80X100
Legal Subdivision	CHERCHA SEC B
Legal Block	63
Legal Lot Number	13
Jurisdiction	OCEAN NJ
Township / Civil Division	PLUMSTED
Census Block Group	4
Census Block	4002
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	416 E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2410
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2022	Deed of Trust, Mortgage · FHA Mortgage NORTHPOINTE BANK
Jan 6, 2022	Deed, Transfer · FHA Mortgage NORTHPOINTE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2022 · Amount on Record
Deed Sale	Jan 6, 2022 · Amount on Record
Prior Sale	Jul 12, 2003 · Amount on Record
Deed Document Number	20222308
Deed Book / Page	18855 / 389
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Property Address	416 E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2410
Transaction Type	Mortgage
Record Updated	Apr 26, 2022
Title Company	TRIDENT ABSTRACT TITLE AGENCY LLC, TRIDENT ABSTRACT TTL AGCY LL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0189871066
Date	Apr 11, 2022
Book Page	18987/1066
Instrument	2022043751

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jan 1, 2052

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	OCEAN NJ
Recording Date	Jan 6, 2022
Property Address	416 E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2410
Document Number	0188550389
Book / Page	18855 / 389
Instrument Date	Nov 30, 2021
Instrument	2022002308
Transaction Type	Transfer
Record Updated	Jan 25, 2022
Title Company	TRIDENT ABSTRACT TITLE AGENCY LLC, TRIDENT ABSTRACT TTL AGCY LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,270.40
Amount Accuracy	Full Amount Stated
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1209 AQUARIUS CT, 1209, FORKED RIVER, NJ 08731-5321

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2410

Mortgage

Document Number	2022002309
Date	Jan 6, 2022
Instrument	2022002309

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

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		$339,700 (+98.89%) Land $162,000 Building $177,700	$339,700 (+98.89%) Land $162,000 Building $177,700
2025	$5,990.00 (+12.74%)	$170,800 (-) Land $90,000 Building $80,800	$170,800 (-) Land $90,000 Building $80,800
2024	$5,313.00 (+12.3%)
2023		$170,800 Land $90,000 Building $80,800	$170,800 Land $90,000 Building $80,800
2022	$4,731.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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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