Cape May County and Lower Township property record for 421 James St, Cape May, NJ 08204
| Property Type | Single Family Home |
|---|---|
| Details | 1,040 sqft · built 1976 |
| Lot Size | 0.305 acres (13,268 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $47,000 (Jun 1981) |
| Tax Bill | $3,492 (2024) |
| Deeds & Mortgages | Aug 2022 Mortgage Aug 2022 Mortgage |
| APN | 05-00497-05-00008 |
| Primary APN | 05-00497-05-00008 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,040 sqft Living Area |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Lot Area | 13,268 sqft (0.305 acres) |
| Lot Dimensions | 124 ft deep x 107 ft wide |
| Street Address | 421 JAMES ST |
|---|---|
| City | CAPE MAY |
| State | NJ |
| Zip | 08204-4517 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | OB497-DL8 |
| Legal Block | 497.5 |
| Legal Lot Number | 8 |
| Jurisdiction | CAPE MAY NJ |
| Township / Civil Division | LOWER |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 21701 |
421 James St is owned and occupied by two individuals who bought it in June 1981.
Source: Cape May County and Lower Township records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 421 JAMES ST, CAPE MAY, NJ 08204-4517 |
| 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 |
|---|---|
| Aug 11, 2022 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Aug 11, 2022 | Deed of Trust, Mortgage · FHA Mortgage FINANCE AMERICA LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 1981 · Amount on File |
| Deed Sale | Jun 1, 1981 · Amount on File |
| Deed Book / Page | 1476 / 531 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAPE MAY NJ |
| Property Address | 421 JAMES ST, CAPE MAY, NJ 08204-4517 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000025834 |
|---|---|
| Date | Aug 11, 2022 |
| Book Page | M6586/74 |
| Instrument | 2022025834 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAPE MAY NJ |
| Property Address | 421 JAMES ST, CAPE MAY, NJ 08204-4517 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000025833 |
|---|---|
| Date | Aug 11, 2022 |
| Book Page | M6586/58 |
| Instrument | 2022025833 |
| Name | FINANCE AMERICA LLC |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
Source: Cape May County and Lower Township assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Cape May County |
| County Subdivision | Lower Township |
| Secondary School District | Lower Cape May Regional School District (07 - 12) |
| Elementary School District | Lower Township School District (KG - 06) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $171,600 (-) Land $95,200 Building $76,400 | $171,600 (-) Land $95,200 Building $76,400 | |
| 2025 | $171,600 Land $95,200 Building $76,400 | $171,600 Land $95,200 Building $76,400 | |
| 2024 | $3,492.00 | ||
| 2023 | $171,600 Land $95,200 Building $76,400 | $171,600 Land $95,200 Building $76,400 | |
| 2022 | $3,334.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA's flood maps do not cover 421 James St; there have been 3 flood claims nearby since 1980.
Source: FEMA National Flood Hazard Layer, effective October 4, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not included in the FIRM |
|---|---|
| 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 | 3 (1980–1985) |
| Most Recent Claim | Sep 1985 · Hurricane Gloria |
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 421 James St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 83% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.03% 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: FCC Broadband Data Collection, based on 143 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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