Cape May County and Ocean City property record for 509 13th St, Ocean City, NJ 08226
| Property Type | Single Family Home |
|---|---|
| Details | 1,242 sqft · built 1937 |
| Lot Size | 0.038 acres (1,651 sqft) |
| Owner | Individual Name on File |
| Last Sale | $650,350 (May 2021) |
| Tax Bill | $5,044 (2024) |
| Deeds & Mortgages | Oct 2023 Line of Credit Dec 2021 Refinance + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 08-01203-0000-00002 |
| Primary APN | 08-01203-0000-00002 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,242 sqft Living Area |
| Year Built | Built 1937 |
|---|---|
| Effective Year Built | Effective 1937 |
| Construction Type | Frame |
| Lot Area | 1,651 sqft (0.038 acres) |
| Lot Dimensions | 50 ft deep x 33 ft wide |
| Street Address | 509 13TH ST |
|---|---|
| City | OCEAN CITY |
| State | NJ |
| Zip | 08226-3227 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RMF |
| Legal Description | OB1203 L731B |
| Legal Block | 1203 |
| Legal Lot Number | 2 |
| Jurisdiction | CAPE MAY NJ |
| Township / Civil Division | OCEAN CITY |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 20102 |
509 13th St is owned and occupied by an individual who bought it in May 2021.
Source: Cape May County and Ocean City records, as of June 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 509 13TH ST, OCEAN CITY, NJ 08226-3227 |
| 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 |
|---|---|
| Oct 25, 2023 | Deed of Trust, Mortgage · Line of Credit WINGS FINANCIAL CU |
| Dec 16, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance WINGS FINANCIAL FCU |
| May 12, 2021 | Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 12, 2021 · Amount on File |
| Deed Sale | May 12, 2021 · Amount on File |
| Prior Sale | Mar 28, 2012 · Amount on File |
| Deed Document Number | 202123532 |
| Deed Book / Page | 3983 / 886 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAPE MAY NJ |
| Property Address | 509 13TH ST, OCEAN CITY, NJ 08226-3227 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000023567 |
|---|---|
| Date | Oct 25, 2023 |
| Book Page | M6683/203 |
| Instrument | 2023023567 |
| Name | WINGS FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAPE MAY NJ |
| Property Address | 509 13TH ST, OCEAN CITY, NJ 08226-3227 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000055231 |
|---|---|
| Date | Dec 16, 2021 |
| Book Page | 6502/487 |
| Instrument | 2021055231 |
| Name | WINGS FINANCIAL FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 169 Months |
| Due | Jan 1, 2036 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CAPE MAY NJ |
| Recording Date | May 12, 2021 |
| Property Address | 509 13TH ST, OCEAN CITY, NJ 08226-3227 |
| Document Number | 0039830886 |
| Book / Page | 003983 / 000886 |
| Instrument Date | Apr 27, 2021 |
| Instrument | 23532 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Title Company | TITLE COMPANY/JERSEY, TITLE CO/JERSEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $650.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 509 13TH ST OCEAN CITY NJ 082263227, OCEAN CITY, NJ 08226-3227 |
| Document Number | 63920547 |
|---|---|
| Date | May 12, 2021 |
| Book Page | 006392/000547 |
| Instrument | 23535 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 11, 2051 |
Source: Cape May County and Ocean City assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Cape May County |
| Municipality | Ocean City |
| Unified School District | Ocean City School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $449,600 (-) Land $328,000 Building $121,600 | $449,600 (-) Land $328,000 Building $121,600 | |
| 2025 | $449,600 Land $328,000 Building $121,600 | $449,600 Land $328,000 Building $121,600 | |
| 2024 | $5,044.00 | ||
| 2023 | $449,600 Land $328,000 Building $121,600 | $449,600 Land $328,000 Building $121,600 | |
| 2022 | $4,626.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 509 13th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective October 4, 2017 · 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 | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 99 individual policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 1,075 units insured incl. 976 condo units |
| Nearby Flood Claims | 144 (1978–2012) |
| Most Recent Claim | Dec 2012 · tidal / storm surge |
| 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.
The area around 509 13th St 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NJ AMERICAN WATER - OCEAN CITY private · serves 127,000 people · EPA ID NJ0508001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 1,393 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
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