Ocean County and Ocean Gate Borough property record for 445 E Cape May Ave, Ocean Gate, NJ 08740
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,144 sqft · built 1985 |
| Lot Size | 0.092 acres (3,999 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $325,000 (Jul 2025) |
| Tax Bill | $5,432 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 22-00054-0000-00011 |
| Primary APN | 22-00054-0000-00011 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,144 sqft Living Area |
| 1st Floor Area | 1,144 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asbestos |
| Lot Area | 3,999 sqft (0.092 acres) |
| Lot Dimensions | 100 ft deep x 40 ft wide |
| Porch | Slab |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Old Parcel Number | 2200054000002591 |
|---|---|
| Street Address | 445 E CAPE MAY AVE |
| City | OCEAN GATE |
| State | NJ |
| Zip | 08740-1323 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | 40X100 |
| Legal Subdivision | OCEAN GATE SUPPL PLAN |
| Legal Block | 54 |
| Legal Lot Number | 11 |
| Jurisdiction | OCEAN NJ |
| Township / Civil Division | OCEAN GATE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 729000 |
Source: Ocean County and Ocean Gate Borough records, as of August 19, 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 | 445 E CAPE MAY AVE, OCEAN GATE, NJ 08740-1323 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 31, 2025 · Amount on Record |
| Deed Sale | Jul 31, 2025 · Amount on Record |
| Prior Sale | Mar 2, 2005 · Amount on Record |
| Deed Document Number | 202558911 |
| Deed Book / Page | 20088 / 253 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OCEAN NJ |
| Property Address | 445 E CAPE MAY AVE, OCEAN GATE, NJ 08740-1323 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2026 |
| Title Company | THE SILK COMPANIES |
| Name | Verified Name |
|---|---|
| Address | 924 GREEN HILL CT, TOMS RIVER, NJ 08753-2890 |
| Document Number | 0202871716 |
|---|---|
| Date | Feb 18, 2026 |
| Book Page | 20287/1716 |
| Instrument | 2026012846 |
| Name | SOFI BANK NA |
|---|---|
| Type | Bank |
| Address | SALT LAKE CITY, UT 84121 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2041 |
Source: Ocean County and Ocean Gate Borough assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Ocean County |
| Municipality | Ocean Gate Borough |
| Secondary School District | Central Regional School District (07 - 12) |
| Elementary School District | Ocean Gate Borough School District (KG - 06) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $298,300 (-) Land $146,000 Building $152,300 | $298,300 (-) Land $146,000 Building $152,300 | |
| 2025 | $5,432.00 (+10.77%) | $298,300 (+89.28%) Land $146,000 Building $152,300 | $298,300 (+89.28%) Land $146,000 Building $152,300 |
| 2024 | $4,904.00 (+18.68%) | ||
| 2023 | $157,600 Land $60,700 Building $96,900 | $157,600 Land $60,700 Building $96,900 | |
| 2022 | $4,132.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 5.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 52 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 52 in force |
| Nearby Flood Claims | 81 (1984–2021) |
| Claims Outside the SFHA | 7 of 81 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 94% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.01% 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 GATE WATER DEPT serves 3,200 people · EPA ID NJ1521001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 479 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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