425 E Whispering Ln, Galloway (Absecon), NJ 08205 Property Records

Atlantic County and Galloway Township property record for 425 E Whispering Ln, Galloway, NJ 08205

Property Summary

Property Type	Single Family Home
Details	4,214 sqft · built 2004
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Individual Names on File
Last Sale	$477,500 (May 2018)
Tax Bill	$15,764 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Sep 2021 Line of Credit + 2 more
APN	`11-01004-0000-00037-02`

Property Details

APN / Parcel Number

Primary APN	`11-01004-0000-00037-02`
Alternative APN	`11010040000000370002`

Interior

Stories	2 Stories
Building Area	4,214 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	39,204 sqft (0.9 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	425 E WHISPERING LN
City	GALLOWAY
State	NJ
Zip	08205-2917
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	INCL BLK 1004 LOTS 37-02 38-01 - 38-05 & 39-01 - 39-05
Legal Block	1004
Legal Lot Number	37.2
Jurisdiction	ATLANTIC NJ
Township / Civil Division	GALLOWAY
Census Block Group	2
Census Block	2015
Census Tract	10505

Owner

Source: Atlantic County and Galloway Township assessment roll, 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 File
Mailing Address	425 E WHISPERING LN, GALLOWAY, NJ 08205-2917
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2022	Deed of Trust, Mortgage · Line of Credit ATLANTIC CITY ELECTRIC CO EMPLOYEES FCU
Sep 23, 2021	Deed of Trust, Mortgage · Line of Credit ATLANTIC CITY ELECTRIC CO EMPLOYEES FCU
Feb 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage TD BK NA
May 15, 2018	Grant Deed, Transfer · Conventional Mortgage PHH MTG SVCS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 15, 2018 · Amount on Record
Deed Sale	May 15, 2018 · Amount on Record
Prior Sale	Mar 10, 2004 · Amount on Record
Deed Document Number	201825946
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ATLANTIC NJ
Property Address	425 E WHISPERING LN, GALLOWAY, NJ 08205-2917
Transaction Type	Mortgage
Record Updated	Apr 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008267
Date	Feb 28, 2022
Instrument	2022008267

Lender

Name	ATLANTIC CITY ELECTRIC CO EMPLOYEES FCU
Type	Credit Union
Address	MAYS LANDING, NJ 08330

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Feb 27, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ATLANTIC NJ
Property Address	425 E WHISPERING LN, GALLOWAY, NJ 08205-2917
Transaction Type	Mortgage
Record Updated	Oct 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021056910
Date	Sep 23, 2021
Instrument	2021056910

Lender

Name	ATLANTIC CITY ELECTRIC CO EMPLOYEES FCU
Type	Credit Union
Address	08333

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 22, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ATLANTIC NJ
Property Address	425 E WHISPERING LN, GALLOWAY, NJ 08205-2917
Document Number	0000014501
Instrument Date	Feb 20, 2020
Transaction Type	Mortgage
Record Updated	Apr 27, 2020
Title Company	SURETY TITLE CORPORATION, SURETY TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	425 E WHISPERING LN GALLOWAY NJ 082052917, GALLOWAY, NJ 08205-2917

Mortgage

Document Number	0000014501
Date	Mar 12, 2020
Instrument	14501

Lender

Name	TD BK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 11, 2035

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ATLANTIC NJ
Recording Date	May 15, 2018
Property Address	425 E WHISPERING LN, GALLOWAY, NJ 08205-2917
Document Number	0000025946
Instrument Date	Apr 30, 2018
Instrument	25946
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	AGENT'S TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$477.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	425 E WHISPERING LN GALLOWAY NJ 082052917, GALLOWAY, NJ 08205-2917

Mortgage

Document Number	25947
Date	May 15, 2018
Instrument	25947

Lender

Name	PHH MTG SVCS
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2048

Tax Assessment & Valuation

Source: Atlantic County and Galloway Township assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Atlantic County
County Subdivision	Galloway Township
Elementary School District	Galloway Township School District (KG - 08)
Secondary School District	Greater Egg Harbor Regional School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$465,000 (-) Land $75,500 Building $389,500	$465,000 (-) Land $75,500 Building $389,500
2025	$15,764.00 (+1.57%)	$465,000 (-) Land $75,500 Building $389,500	$465,000 (-) Land $75,500 Building $389,500
2024	$15,521.00 (+3.95%)
2023		$465,000 Land $75,500 Building $389,500	$465,000 Land $75,500 Building $389,500
2022	$14,931.00

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 August 27, 2018 · 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
Nearby Flood Policies	3 in force
Nearby Flood Claims	7 (1980–2019)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Mar 2019 · other causes
Claims by Event	Coastal Storms & Flooding, Mar 1984 · 2 claims

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 58% of the US · above 73% of New Jersey
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NJ AMERICAN WATER - ATLANTIC COUNTY private · serves 120,146 people · EPA ID NJ0119002
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 157 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

Cell Coverage

5G (outdoors only) and 4G LTE

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