Ocean County and Berkeley Township property record for 45 Locker St, Bayville, NJ 08721
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,312 sqft · built 1955 |
| Lot Size | 0.23 acres (10,001 sqft) |
| Owner | Individual Name on File |
| Last Sale | $486,000 (Oct 2023) |
| Tax Bill | $8,293 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Oct 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-00826-01-00004 |
| Primary APN | 06-00826-01-00004 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,312 sqft Living Area |
| Gross Area | 3,810 sqft |
| 1st Floor Area | 2,312 sqft |
| Basement Area | 1,498 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Split Level |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asbestos |
| Lot Area | 10,001 sqft (0.23 acres) |
| Lot Dimensions | 100 ft deep x 100 ft wide |
| Parking Spaces | 1 Parking Space |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Old Parcel Number | 060082650100004 |
|---|---|
| Street Address | 45 LOCKER ST |
| City | BAYVILLE |
| State | NJ |
| Zip | 08721-1244 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GI |
| Legal Description | 100X100 |
| Legal Subdivision | BEACHWOOD PARK SEC 01 |
| Legal Block | 826.1 |
| Legal Lot Number | 4 |
| Jurisdiction | OCEAN NJ |
| Township / Civil Division | BERKELEY |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 731102 |
45 Locker St is owned and occupied by an individual who bought it in October 2023.
Source: Ocean County and Berkeley Township records, as of July 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45 LOCKER ST, BAYVILLE, NJ 08721-1244 |
| 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.
| Date | Document |
|---|---|
| Jan 28, 2026 | Deed of Trust, Mortgage · FHA Mortgage NATIONS LENDING CORP |
| Oct 10, 2023 | Deed, Transfer · FHA Mortgage NATIONS LENDING CORP |
| Jul 6, 2021 | Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 10, 2023 · Amount on File |
| Deed Sale | Oct 10, 2023 · Amount on File |
| Prior Sale | Jul 6, 2021 · Amount on File |
| Deed Document Number | 202376061 |
| Deed Book / Page | 19506 / 1878 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OCEAN NJ |
| Property Address | 45 LOCKER ST, BAYVILLE, NJ 08721-1244 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 45 LOCKER ST, BAYVILLE, NJ 08721-1244 |
| Document Number | 0202690287 |
|---|---|
| Date | Jan 28, 2026 |
| Book Page | 20269/287 |
| Instrument | 2026007376 |
| Name | NATIONS LENDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | INDEPENDENCE, OH 44131 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OCEAN NJ |
| Recording Date | Oct 10, 2023 |
| Property Address | 45 LOCKER ST, BAYVILLE, NJ 08721-1244 |
| Document Number | 0195061878 |
| Book / Page | 19506 / 1878 |
| Instrument Date | Sep 27, 2023 |
| Instrument | 2023076061 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2023 |
| Title Company | TRIDENT LAND TRANSFER COMPANY LP, TRIDENT LAND TRANSFER CO LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,040.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1232 7TH ST, VIRGILINA, VA 24598-3335 |
| Name | Verified Name |
|---|---|
| Address | 45 LOCKER ST, BAYVILLE, NJ 08721-1244 |
| Document Number | 2023076062 |
|---|---|
| Date | Oct 10, 2023 |
| Instrument | 2023076062 |
| Name | NATIONS LENDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OCEAN NJ |
| Recording Date | Jul 6, 2021 |
| Property Address | 45 LOCKER ST, BAYVILLE, NJ 08721-1244 |
| Document Number | 0185631494 |
| Book / Page | 18563 / 1494 |
| Instrument Date | Jun 28, 2021 |
| Instrument | 2021099562 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2021 |
| Title Company | FOUNDATION TITLE, FOUNDATION TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,941.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 45 LOCKER ST, 45, BAYVILLE, NJ 08721-1244 |
| Name | Verified Name |
|---|---|
| Address | 45 LOCKER ST, BAYVILLE, NJ 08721-1244 |
| Document Number | 2021099563 |
|---|---|
| Date | Jul 6, 2021 |
| Instrument | 2021099563 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2051 |
The 2025 property tax bill for 45 Locker St was $8,293, up 7.4% from the year before.
Source: Ocean County and Berkeley Township assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Ocean County |
| County Subdivision | Berkeley Township |
| Elementary School District | Berkeley Township School District (KG - 06) |
| Secondary School District | Central Regional School District (07 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $320,200 (-) Land $120,000 Building $200,200 | $320,200 (-) Land $120,000 Building $200,200 | |
| 2025 | $8,293.00 (+7.42%) | $320,200 Land $120,000 Building $200,200 | $320,200 Land $120,000 Building $200,200 |
| 2024 | $7,720.00 | ||
| 2023 | $320,200 (-) Land $120,000 Building $200,200 | $320,200 (-) Land $120,000 Building $200,200 | |
| 2022 | $7,290.00 | $320,200 Land $120,000 Building $200,200 | $320,200 Land $120,000 Building $200,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Locker St in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 7 in force |
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 45 Locker St is moderate, ranking above 50% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · above 67% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.07% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | AQUA NJ - EASTERN DIVISION private · serves 12,200 people · EPA ID NJ1505002 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2026) 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 194 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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