Cape May County and Lower Township property record for 5 Tern St, Cape May, NJ 08204
| Property Type | Single Family Home |
|---|---|
| Details | 1,184 sqft · built 1990 |
| Lot Size | 0.083 acres (3,598 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $191,000 (Dec 2015) |
| Tax Bill | $3,471 (2024) |
| Deeds & Mortgages | Aug 2020 Loan Modification |
| APN | 05-00496-18-00017 |
| Primary APN | 05-00496-18-00017 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 1,184 sqft Living Area |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Construction Type | Frame |
| Lot Area | 3,598 sqft (0.083 acres) |
| Lot Dimensions | 60 ft deep x 60 ft wide |
| Street Address | 5 TERN ST |
|---|---|
| City | CAPE MAY |
| State | NJ |
| Zip | 08204-4456 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Subdivision | BAY GARDENS II |
| Legal Block | 496 |
| Legal Lot Number | 17 |
| Jurisdiction | CAPE MAY NJ |
| Township / Civil Division | LOWER |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 21805 |
Source: Cape May County and Lower Township records, as of July 20, 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 | 5 TERN ST, CAPE MAY, NJ 08204-4456 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 4, 2015 · Amount on Record |
| Deed Sale | Dec 4, 2015 · Amount on Record |
| Prior Sale | Aug 4, 1998 · Amount on Record |
| Deed Document Number | 2015243 |
| Deed Book / Page | 3654 / 159 |
| Record Updated | Sep 20, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CAPE MAY NJ |
| Property Address | 5 TERN ST, CAPE MAY, NJ 08204-4456 |
| Document Number | 0063860187 |
| Instrument Date | Aug 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 5 TERN ST NORTH CAPE MAY NJ 082044456, NORTH CAPE MAY, NJ 08204-4456 |
| Document Number | 0063860187 |
|---|---|
| Date | May 3, 2021 |
| Book Page | 006386/000187 |
| Instrument | 21800 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 2, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
Source: Cape May County and Lower Township assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Cape May County |
| County Subdivision | Lower Township |
| Secondary School District | Lower Cape May Regional School District (07 - 12) |
| Elementary School District | Lower Township School District (KG - 06) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $171,200 (-) Land $74,200 Building $97,000 | $171,200 (-) Land $74,200 Building $97,000 | |
| 2025 | $171,200 (-) Land $74,200 Building $97,000 | $171,200 (-) Land $74,200 Building $97,000 | |
| 2024 | $3,471.00 (+4.64%) | ||
| 2023 | $171,200 Land $74,200 Building $97,000 | $171,200 Land $74,200 Building $97,000 | |
| 2022 | $3,317.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 4, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not included in the FIRM |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 7 (1979–2010) |
| Claims Outside the SFHA | 4 of 7 |
| Most Recent Claim | Mar 2010 · Severe Storms And 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.
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 | Under 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 | LOWER TWP MUA serves 12,416 people · EPA ID NJ0505002 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | 5 ppb (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 318 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 |
May also be available: T-Mobile, Verizon.
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