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

Ocean County and Plumsted Township property record for 430 E Millstream Rd, Cream Ridge, NJ 08514

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,400 sqft · built 1970
Lot Size	0.532 acres (23,183 sqft)
Owner	Individual Name on Record
Last Sale	$131,500 (Aug 1994)
Tax Bill	$7,231 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Dec 2018 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-00064-0000-00015`

Property Details

APN / Parcel Number

Primary APN	`24-00064-0000-00015`
Alternative APN	`240006400015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,400 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Colonial
Construction Type	Frame
Roof Type	Gable
Roof Material	Asbestos
Lot Area	23,183 sqft (0.532 acres)
Lot Width	140 ft Width
Parking Spaces	1 Parking Space
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	430 E MILLSTREAM RD
City	CREAM RIDGE
State	NJ
Zip	08514-2413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Description	140XIRR
Legal Subdivision	CHERCHA
Legal Block	64
Legal Lot Number	15
Jurisdiction	OCEAN NJ
Township / Civil Division	PLUMSTED
Census Block Group	4
Census Block	4003
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	Individual Name on Record
Mailing Address	430 E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2413
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Dec 27, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 1994 · Amount on Record
Deed Sale	Aug 3, 1994 · Amount on Record
Deed Book / Page	5186 / 779
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Property Address	430 E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2413
Transaction Type	Mortgage
Record Updated	Jul 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2413

Mortgage

Document Number	0190820576
Date	Jun 28, 2022
Book Page	19082/576
Instrument	2022073340

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	May 27, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Property Address	430 E MILLSTREAM RD, CREAM RIDGE, NJ 08514-2413
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LENDERLIVE SETTLEMENT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0173401899
Date	Dec 27, 2018
Book Page	17340/1899
Instrument	2018126545

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 20, 2033

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		$371,300 (+80.07%) Land $175,900 Building $195,400	$371,300 (+80.07%) Land $175,900 Building $195,400
2025	$7,231.00 (+12.74%)	$206,200 (-) Land $118,000 Building $88,200	$206,200 (-) Land $118,000 Building $88,200
2024	$6,414.00 (+12.31%)
2023		$206,200 Land $118,000 Building $88,200	$206,200 Land $118,000 Building $88,200
2022	$5,711.00

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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