45 Lagoon Dr E, Toms River, NJ 08753 Property Records

Ocean County and Toms River Township property record for 45 Lagoon Dr E, Toms River, NJ 08753

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,016 sqft · built 1958
Lot Size	0.189 acres (8,250 sqft)
Owner	2 Individual Names on File
Last Sale	$422,999 (Oct 2024)
Tax Bill	$5,149 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Mar 2022 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`08-00232-27-00007`

Property Details

APN / Parcel Number

Primary APN	`08-00232-27-00007`
Alternative APN	`0800232002700007`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,016 sqft Living Area
1st Floor Area	1,016 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asbestos
Lot Area	8,250 sqft (0.189 acres)
Lot Dimensions	110 ft deep x 75 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	45 LAGOON DR E
City	TOMS RIVER
State	NJ
Zip	08753-2570
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R50
Legal Description	75X110 8,9
Legal Subdivision	RIVIERA/BAY SEC 2
Legal Block	232
Legal Lot Number	7
Jurisdiction	OCEAN NJ
Township / Civil Division	TOMS RIVER
Census Block Group	3
Census Block	3002
Census Tract	722402

Owner

45 Lagoon Dr E is owned and occupied by two individuals who bought it in October 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	45 LAGOON DR E, TOMS RIVER, NJ 08753-2570
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2021	Deed of Trust, Mortgage · FHA Mortgage LOW VA RATES LLC
Mar 17, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Sep 8, 2022	Deed, Transfer · Conventional Mortgage GREENTREE MORTGAGE COMPANY LP
Feb 7, 2020	Deed of Trust, Mortgage · FHA Mortgage JAMES B NUTTER & CO
Jun 11, 2018	Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2024 · Amount on File
Deed Sale	Oct 24, 2024 · Amount on File
Prior Sale	Sep 8, 2022 · Amount on File
Deed Document Number	202479061
Deed Book / Page	19828 / 628
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Property Address	45 LAGOON DR E, TOMS RIVER, NJ 08753-2570
Transaction Type	Mortgage
Record Updated	Aug 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0184150544
Date	Apr 12, 2021
Book Page	18415/544
Instrument	2021055132

Lender

Name	LOW VA RATES LLC
Address	LINDON, UT 84042

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Property Address	45 LAGOON DR E, TOMS RIVER, NJ 08753-2570
Transaction Type	Mortgage
Record Updated	Aug 18, 2022
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0189540922
Date	Mar 17, 2022
Book Page	18954/922
Instrument	2022033523

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	OCEAN NJ
Recording Date	Sep 8, 2022
Property Address	45 LAGOON DR E, TOMS RIVER, NJ 08753-2570
Document Number	0191590135
Book / Page	19159 / 135
Instrument Date	Jul 25, 2022
Instrument	2022097934
Transaction Type	Transfer
Record Updated	Sep 22, 2022
Title Company	REALSAFE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	729 CHARLOTTE ST, 729, TOMS RIVER, NJ 08753-4608

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 LAGOON DR E, TOMS RIVER, NJ 08753-2570

Mortgage

Document Number	2022097935
Date	Sep 8, 2022
Instrument	2022097935

Lender

Name	GREENTREE MORTGAGE COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Property Address	45 LAGOON DR E, TOMS RIVER, NJ 08753-2570
Document Number	0178260933
Instrument Date	Feb 7, 2020
Transaction Type	Mortgage
Record Updated	Jun 17, 2020
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45 LAGOON DR E TOMS RIVER NJ 087532570, TOMS RIVER, NJ 08753-2570

Mortgage

Document Number	0178260933
Date	Mar 18, 2020
Book Page	017826/000933
Instrument	29482

Lender

Name	JAMES B NUTTER & CO
Type	Funding / Finance Company
Address	KANSAS CITY, MO 64111

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 17, 2050

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	OCEAN NJ
Recording Date	Jun 11, 2018
Property Address	45 LAGOON DR E, TOMS RIVER, NJ 08753-2570
Document Number	0171410718
Book / Page	17141 / 718
Map Reference	MAP C-340
Instrument Date	May 17, 2018
Instrument	2018056322
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	937 CAPRI ISLES BLVD APT 57, 937, VENICE, FL 34292-1529

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 LAGOON DR E, TOMS RIVER, NJ 08753-2570

Mortgage

Document Number	2018056323
Date	Jun 11, 2018
Instrument	2018056323

Lender

Name	MOVEMENT MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 45 Lagoon Dr E was $5,149, up 7.3% from the year before.

Source: Ocean County and Toms River Township assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Ocean County
County Subdivision	Toms River Township
Unified School District	Toms River Regional School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$263,400 (-) Land $88,000 Building $175,400	$263,400 (-) Land $88,000 Building $175,400
2025	$5,149.00 (+7.29%)	$263,400 Land $88,000 Building $175,400	$263,400 Land $88,000 Building $175,400
2024	$4,799.00
2023		$263,400 Land $88,000 Building $175,400	$263,400 Land $88,000 Building $175,400
2022	$4,393.00

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

Flood

FEMA maps place 45 Lagoon Dr E 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 261 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	366 units insured incl. 105 condo units
Nearby Flood Claims	547 (1978–2024)
Claims Outside the SFHA	12 of 547
Most Recent Claim	Jan 2024 · rainfall accumulation
Claims by Event	Hurricane Sandy, Nov 2012 · 407 claims Hurricane Irene, Aug 2011 · 18 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 44 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

The area around 45 Lagoon Dr E has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Water System	VEOLIA WATER NEW JERSEY TOMS RIVER private · serves 123,184 people · EPA ID NJ1507005
Water Source	Groundwater
Last State Inspection	Mar 2023
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	3 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 619 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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