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

Ocean County and Plumsted Township property record for 422 E Millstream Rd, Cream Ridge, NJ 08514

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,624 sqft · built 1970
Lot Size	0.184 acres (8,002 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,000 (Jul 2022)
Tax Bill	$7,007 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-00063-0000-00001`

Property Details

APN / Parcel Number

Primary APN	`24-00063-0000-00001`
Alternative APN	`240006300001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,624 sqft Living Area
Gross Area	2,900 sqft
1st Floor Area	1,624 sqft
Basement Area	1,276 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Hip
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

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	422 E MILLSTREAM RD
City	CREAM RIDGE
State	NJ
Zip	08514-2412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Description	80X100
Legal Subdivision	CHERCHA REV PLAN
Legal Block	63
Legal Lot Number	1
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	422 E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2412
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2020	Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO
Jul 22, 2022	Deed, Transfer · FHA Mortgage ADVISORS MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2022 · Amount on Record
Deed Sale	Jul 22, 2022 · Amount on Record
Prior Sale	Aug 2, 2016
Deed Document Number	202282317
Deed Book / Page	19110 / 555
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Property Address	422 E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2412
Transaction Type	Mortgage
Record Updated	Aug 18, 2022
Title Company	ORCHARD STREET SETMNTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0181880462
Date	Dec 3, 2020
Book Page	18188/462
Instrument	2020145183

Lender

Name	OCEANSIDE MORTGAGE CO
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2050

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	OCEAN NJ
Recording Date	Jul 22, 2022
Property Address	422 E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2412
Document Number	0191100555
Book / Page	19110 / 555
Instrument Date	Jun 29, 2022
Instrument	2022082317
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	FOUNDATION TITLE, FOUNDATION TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,879.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	316 HAWKIN RD, 316, NEW EGYPT, NJ 08533-2109

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	422 E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2412

Mortgage

Document Number	2022082318
Date	Jul 22, 2022
Instrument	2022082318

Lender

Name	ADVISORS MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 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		$426,500 (+113.46%) Land $162,000 Building $264,500	$426,500 (+113.46%) Land $162,000 Building $264,500
2025	$7,007.00 (+12.74%)	$199,800 (-) Land $90,000 Building $109,800	$199,800 (-) Land $90,000 Building $109,800
2024	$6,215.00 (+12.31%)
2023		$199,800 Land $90,000 Building $109,800	$199,800 Land $90,000 Building $109,800
2022	$5,534.00

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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