Ocean County and Barnegat Township property record for 438 E Bay Ave, Unit 15, Barnegat, NJ 08005
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 2 ba · 1,224 sqft · built 1986 |
| Lot Size | 0.023 acres (989 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $495,000 (Jul 2026) |
| Tax Bill | $5,676 (2025) |
| Deeds & Mortgages | Jul 2026 Sale Nov 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 01-00208-0000-00021-16 |
| Primary APN | 01-00208-0000-00021-16 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,224 sqft Living Area |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asbestos |
| Lot Area | 989 sqft (0.023 acres) |
| Lot Dimensions | 55 ft deep x 18 ft wide |
| Porch | Open Porch |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 438 E BAY AVE, 15 |
|---|---|
| City | BARNEGAT |
| State | NJ |
| Zip | 08005-2406 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | CM |
| Legal Description | 18 X 55 UNIT 15 MORNING SHORES |
| Legal Subdivision | MORNING SHORES |
| Legal Block | 208 |
| Legal Lot Number | 21.16 |
| Jurisdiction | OCEAN NJ |
| Township / Civil Division | BARNEGAT |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 734002 |
438 E Bay Ave, Unit 15 is owned by two individuals who bought it in July 2026.
Source: Ocean County and Barnegat Township records, as of August 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 21 RENNER PL, NORTH ARLINGTON, NJ 07031-6709 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Jul 22, 2026 | Bargain and Sale Deed, Transfer PROPERTIES TITLE, SHORE PROPERTIES TITLE |
| Nov 3, 2021 | Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Aug 2, 2018 | Deed, Transfer · Conventional Mortgage AFFINITY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 22, 2026 · Amount on File |
| Deed Sale | Jul 22, 2026 · Amount on File |
| Prior Sale | May 30, 2024 · Amount on File |
| Deed Document Number | 202658454 |
| Deed Book / Page | 20443 / 1303 |
| Record Updated | Sep 20, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | OCEAN NJ |
| Recording Date | Jul 22, 2026 |
| Property Address | 438 E BAY AVE, 15, BARNEGAT, NJ 08005-2406 |
| Document Number | 0000058454 |
| Book / Page | 20443 / 1303 |
| Instrument Date | Jul 14, 2026 |
| Instrument | 202658454 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2026 |
| Title Company | PROPERTIES TITLE, SHORE PROPERTIES TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $49,995.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Type | Deed |
|---|---|
| Jurisdiction | OCEAN NJ |
| Recording Date | Nov 3, 2021 |
| Property Address | 438 E BAY AVE UNIT 15, 15, BARNEGAT, NJ 08005-2406 |
| Document Number | 0187561637 |
| Book / Page | 18756 / 1637 |
| Instrument Date | Oct 15, 2021 |
| Instrument | 2021157438 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2021 |
| Title Company | TITLE EVOLUTION, TITLE EVOLUTION LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,949.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 31 HARDSCRABBLE HILL RD, 31, FLEMINGTON, NJ 08822-5907 |
| Name | Verified Name |
|---|---|
| Address | 438 E BAY AVE UNIT 15, 15, BARNEGAT, NJ 08005-2406 |
| Document Number | 2021157439 |
|---|---|
| Date | Nov 3, 2021 |
| Instrument | 2021157439 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OCEAN NJ |
| Recording Date | Aug 2, 2018 |
| Property Address | 438 E BAY AVE UNIT 15, 15, BARNEGAT, NJ 08005-2406 |
| Document Number | 0171951878 |
| Book / Page | 17195 / 1878 |
| Map Reference | MAP G-1916 |
| Instrument Date | Jul 29, 2018 |
| Instrument | 2018075687 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2021 |
| Title Company | COUNSELLORS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,083.20 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 47 OHIO TRL, 47, MEDFORD, NJ 08055-8934 |
| Name | Verified Name |
|---|---|
| Address | 31 HARDSCRABBLE HILL RD, FLEMINGTON, NJ 08822-5907 |
| Document Number | 2018075688 |
|---|---|
| Date | Aug 2, 2018 |
| Instrument | 2018075688 |
| Name | AFFINITY FCU |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.38% |
The 2025 property tax bill for 438 E Bay Ave, Unit 15 was $5,676, up 3.6% from the year before.
Source: Ocean County and Barnegat Township assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Ocean County |
| County Subdivision | Barnegat Township |
| Unified School District | Barnegat Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $184,100 (-) Land $90,000 Building $94,100 | $184,100 (-) Land $90,000 Building $94,100 | |
| 2025 | $5,676.00 (+3.58%) | $184,100 Land $90,000 Building $94,100 | $184,100 Land $90,000 Building $94,100 |
| 2024 | $5,480.00 | ||
| 2023 | $180,700 Land $90,000 Building $90,700 | $180,700 Land $90,000 Building $90,700 | |
| 2022 | $5,090.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 438 E Bay Ave, Unit 15 in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective March 16, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 6.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 208 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 267 units insured incl. 59 condo units |
| Nearby Flood Claims | 313 (1981–2026) |
| Claims Outside the SFHA | 21 of 313 |
| Most Recent Claim | May 2026 · rainfall accumulation |
| Claims by Event |
|
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 438 E Bay Ave, Unit 15 is moderate, ranking above 48% of the US, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · above 66% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.05% 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OCEAN TWP DEPT OF UTILITIES serves 15,419 people · EPA ID NJ1520001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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.
Source: FCC Broadband Data Collection, based on 16 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 |
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