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

Ocean County and Plumsted Township property record for 421 E Millstream Rd, Cream Ridge, NJ 08514

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,400 sqft · built 1956
Lot Size	1.53 acres (66,647 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Oct 2020)
Tax Bill	$8,017 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-00060-0000-00003`

Property Details

APN / Parcel Number

Primary APN	`24-00060-0000-00003`
Alternative APN	`240006000003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,400 sqft Living Area
Gross Area	1,764 sqft
1st Floor Area	1,400 sqft
Basement Area	364 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asbestos
Lot Area	66,647 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	421 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	1.53AC
Legal Block	60
Legal Lot Number	3
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 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	421 E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2414
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Deed of Trust, Mortgage · Line of Credit AFFINITY FEDERAL CREDIT UNION
Oct 6, 2020	Deed, Transfer · Conventional Mortgage AFFINITY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2020 · Amount on Record
Deed Sale	Oct 6, 2020 · Amount on Record
Deed Document Number	2020113479
Deed Book / Page	18089 / 183
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Recording Date	Jul 7, 2026
Property Address	421 E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2414
Document Number	0000053713
Book / Page	20427 / 524
Instrument Date	Jun 25, 2026
Instrument	202653713
Transaction Type	Mortgage
Record Updated	Jul 23, 2026
Title Company	FIRST AMERICAN TITLE INSURAN C, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2414

Mortgage

Document Number	0000053713,
Date	Jul 7, 2026
Book Page	20427/524
Instrument	202653713

Lender

Name	AFFINITY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2056

Interest

Rate	6.53%
Max Rate	-1%

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	OCEAN NJ
Recording Date	Oct 6, 2020
Property Address	421 E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2414
Document Number	0180890183
Book / Page	18089 / 183
Instrument Date	Oct 2, 2020
Instrument	2020113479
Transaction Type	Transfer
Record Updated	Nov 3, 2021
Title Company	CLEAR TO CLOSE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,559.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	80 HOLMES MILL RD, 80, CREAM RIDGE, NJ 08514-1802

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2414

Mortgage

Document Number	2020113480
Date	Oct 6, 2020
Instrument	2020113480

Lender

Name	AFFINITY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

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		$397,300 (+73.8%) Land $183,800 Building $213,500	$397,300 (+73.8%) Land $183,800 Building $213,500
2025	$8,017.00 (+12.74%)	$228,600 (+1.42%) Land $125,700 Building $102,900	$228,600 (+1.42%) Land $125,700 Building $102,900
2024	$7,111.00 (+13.9%)
2023		$225,400 Land $125,700 Building $99,700	$225,400 Land $125,700 Building $99,700
2022	$6,243.00

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 64% of the US · above 78% of New Jersey
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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