42 Cypress Neck Rd, Lincroft, NJ 07738 Property Records

Monmouth County and Middletown Township property record for 42 Cypress Neck Rd, Lincroft, NJ 07738

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 3,887 sqft · built 1981
Lot Size	1.08 acres (47,402 sqft)
Owner	2 Individual Names on Record
Last Sale	$990,000 (Aug 2022)
Tax Bill	$17,428 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Aug 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`32-01048-0000-00027`

Property Details

APN / Parcel Number

Primary APN	`32-01048-0000-00027`
Alternative APNs	`32000060500029` `320104800027`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,887 sqft Living Area
1st Floor Area	2,421 sqft
Upper Floors Area	1,250 sqft
Basement Area	1,238 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Hip
Roof Material	Other
Lot Area	47,402 sqft
Lot Dimensions	237 ft deep x 200 ft wide
Garage Type	Attached
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces
Pool Area	800 sqft
Deck Area	866 sqft
Gazebo	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Connected

Location & Zoning

Old Parcel Number	32000060500029
Street Address	42 CYPRESS NECK RD
City	LINCROFT
State	NJ
Zip	07738-1002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R45
Legal Subdivision	WOODLAND RUN SEC 04
Legal Block	1048
Legal Lot Number	27
Jurisdiction	MONMOUTH NJ
Township / Civil Division	MIDDLETOWN
Census Block Group	1
Census Block	1002
Census Tract	801500

Owner

Source: Monmouth County and Middletown Township records, as of July 9, 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	42 CYPRESS NECK RD, LINCROFT, NJ 07738-1002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2025	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Aug 15, 2022	Deed, Transfer · Conventional Mortgage ABSOLUTE HOME MORTGAGE CORP
Apr 18, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage INTOUCH CU
Apr 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Nov 8, 2019	Deed of Trust, Mortgage · Line of Credit PNC BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2022 · Amount on Record
Deed Sale	Aug 15, 2022 · Amount on Record
Prior Sale	Sep 28, 2009 · Amount on Record
Deed Document Number	202283384
Deed Book / Page	9610 / 3351
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	42 CYPRESS NECK RD, LINCROFT, NJ 07738-1002
Transaction Type	Mortgage
Record Updated	Jan 8, 2026
Title Company	UNKNOWN, TITLE365 COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 CYPRESS NECK RD, LINCROFT, NJ 07738-1002
Investor	Possibly a Property Investor

Mortgage

Document Number	0097701058
Date	Dec 11, 2025
Book Page	9770/1058
Instrument	2025099183

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 4, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Aug 15, 2022
Property Address	42 CYPRESS NECK RD, LINCROFT, NJ 07738-1002
Document Number	0096103351
Book / Page	9610 / 3351
Instrument Date	Aug 5, 2022
Instrument	2022083384
Transaction Type	Transfer
Record Updated	Sep 8, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,459.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 WILLIAM PENN RD, 11, WARREN, NJ 07059-5046

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 CYPRESS NECK RD, LINCROFT, NJ 07738-1002
Investor	Possibly a Property Investor

Mortgage

Document Number	2022083385
Date	Aug 15, 2022
Instrument	2022083385

Lender

Name	ABSOLUTE HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	42 CYPRESS NECK RD, LINCROFT, NJ 07738-1002
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0095908711
Date	Apr 18, 2022
Book Page	9590/8711
Instrument	2022043150

Lender

Name	INTOUCH CU
Type	Credit Union
Address	PLANO, TX 75024

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	55 Months
Due	Nov 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	42 CYPRESS NECK RD, LINCROFT, NJ 07738-1002
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0094998923
Date	Apr 9, 2021
Book Page	9499/8923
Instrument	2021057550

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	42 CYPRESS NECK RD, LINCROFT, NJ 07738-1002
Document Number	0000002266
Instrument Date	Nov 8, 2019
Transaction Type	Mortgage
Record Updated	Feb 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 GARDEN RD SHREWSBURY NJ 077024474, SHREWSBURY, NJ 07702-4474

Mortgage

Document Number	0000002266
Date	Jan 7, 2020
Book Page	009389/006047
Instrument	2266

Lender

Name	PNC BK
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Monmouth County and Middletown Township assessment roll, as of July 9, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,260,000 (+16.69%) Land $602,500 Building $657,500	$1,260,000 (+16.69%) Land $602,500 Building $657,500
2025	$17,428.00 (-0.8%)	$1,079,800 (+8.84%) Land $419,400 Building $660,400	$1,079,800 (+8.84%) Land $419,400 Building $660,400
2024	$17,569.00 (+13.68%)
2023		$992,100 Land $350,200 Building $641,900	$992,100 Land $350,200 Building $641,900
2022	$15,455.00

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 September 18, 2026 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1995)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1995 · other causes

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	Low lower than 62% of the US · above 58% of New Jersey
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond 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 - COASTAL NORTH private · serves 377,613 people · EPA ID NJ1345001
Water Source	Surface water
Last State Inspection	Sep 2023
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Sep 2019
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 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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