45 Cherry Tree Ln, Cream Ridge, NJ 08514 Property Records

Ocean County and Plumsted Township property record for 45 Cherry Tree Ln, Cream Ridge, NJ 08514

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,864 sqft · built 2010
Lot Size	2.15 acres (93,654 sqft)
Owner	2 Individual Names on File
Last Sale	$811,000 (Nov 2023)
Tax Bill	$15,396 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Nov 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-00044-0000-00026-15`

Property Details

APN / Parcel Number

Primary APN	`24-00044-0000-00026-15`
Alternative APN	`24000440000000260015`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,864 sqft Living Area
Gross Area	4,049 sqft
Basement Area	1,185 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asbestos
Lot Area	93,654 sqft
Garage Type	Attached
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	45 CHERRY TREE LN
City	CREAM RIDGE
State	NJ
Zip	08514-2355
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-5
Legal Description	2.15 AC
Legal Subdivision	MDR DEVELOPERS INC
Legal Block	44
Legal Lot Number	26.15
Jurisdiction	OCEAN NJ
Township / Civil Division	PLUMSTED
Census Block Group	3
Census Block	3000
Census Tract	718000

Owner

45 Cherry Tree Ln is owned and occupied by two individuals who bought it in November 2023.

Source: Ocean County and Plumsted Township records, as of July 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	45 CHERRY TREE LN, CREAM RIDGE, NJ 08514-2355
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Nov 13, 2023	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Aug 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2023 · Amount on File
Deed Sale	Nov 13, 2023 · Amount on File
Prior Sale	Dec 29, 2009 · Amount on File
Deed Document Number	202385285
Deed Book / Page	19536 / 653
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Recording Date	Apr 10, 2026
Property Address	45 CHERRY TREE LN, CREAM RIDGE, NJ 08514-2355
Document Number	0000027908
Book / Page	20339 / 566
Instrument Date	Dec 9, 2025
Instrument	202627908
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 CHERRY TREE LN, CREAM RIDGE, NJ 08514-2355

Mortgage

Document Number	0000027908,
Date	Apr 10, 2026
Book Page	20339/566
Instrument	202627908

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.24%
Initial Type	Fixed Rate
Max Rate	-1%

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	OCEAN NJ
Recording Date	Nov 13, 2023
Property Address	45 CHERRY TREE LN, CREAM RIDGE, NJ 08514-2355
Document Number	0195360653
Book / Page	19536 / 653
Instrument Date	Oct 23, 2023
Instrument	2023085285
Transaction Type	Transfer
Record Updated	Nov 23, 2023
Title Company	NOT AVAILABLE, SEBER TITLE & STLMT SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,421.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	34 AQUEDUCT BLVD, NEW EGYPT, NJ 08533-1727

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 CHERRY TREE LN, CREAM RIDGE, NJ 08514-2355

Mortgage

Document Number	2023085286
Date	Nov 13, 2023
Instrument	2023085286

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Property Address	45 CHERRY TREE LN, CREAM RIDGE, NJ 08514-2355
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180140741
Date	Aug 18, 2020
Book Page	18014/741
Instrument	2020089365

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 45 Cherry Tree Ln was $15,396, up 12.7% from the year before.

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		$846,100 (+92.73%) Land $223,000 Building $623,100	$846,100 (+92.73%) Land $223,000 Building $623,100
2025	$15,396.00 (+12.73%)	$439,000 Land $131,500 Building $307,500	$439,000 Land $131,500 Building $307,500
2024	$13,657.00
2023		$439,000 (-) Land $131,500 Building $307,500	$439,000 (-) Land $131,500 Building $307,500
2022	$12,160.00	$439,000 Land $131,500 Building $307,500	$439,000 Land $131,500 Building $307,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 45 Cherry Tree Ln in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1992.

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
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	5 (1992–2022)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Aug 2022 · river or lake flooding

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

Wildfire risk around 45 Cherry Tree Ln is moderate, ranking above 68% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 68% of the US · above 81% 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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Optimum.

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