644 Upper Neck Rd, Elmer, NJ 08318 Property Records

Salem County and Pittsgrove Township property record for 644 Upper Neck Rd, Elmer, NJ 08318

Property Summary

Property Type	Single Family Home
Details	1,164 sqft · built 1978
Lot Size	2.55 acres (111,078 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Aug 2014)
Tax Bill	$6,748 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-00304-0000-00031`

Property Details

APN / Parcel Number

Primary APN	`11-00304-0000-00031`
Alternative APNs	`1100023000000027H` `110030400031`

Interior

Stories	1 Story
Building Area	1,164 sqft Living Area
1st Floor Area	1,164 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Bi-Level
Exterior Material	Wood
Construction Type	Wood
Lot Area	111,078 sqft

Location & Zoning

Old Parcel Number	1100023000000027H
Street Address	644 UPPER NECK RD
City	ELMER
State	NJ
Zip	08318-4544
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	304
Legal Lot Number	31
Jurisdiction	SALEM NJ
Township / Civil Division	PITTSGROVE
Census Block Group	1
Census Block	1008
Census Tract	21102

Owner

Source: Salem County and Pittsgrove Township records, as of July 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	644 UPPER NECK RD, ELMER, NJ 08318-4544
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2026	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Mar 30, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2014 · Amount on Record
Deed Sale	Aug 7, 2014 · Amount on Record
Prior Sale	Feb 4, 2000 · Amount on Record
Deed Document Number	201477274
Deed Book / Page	3807 / 47
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM NJ
Property Address	644 UPPER NECK RD, ELMER, NJ 08318-4544
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047550833
Date	Feb 24, 2026
Book Page	4755/833
Instrument	2026001555

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 21, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM NJ
Property Address	644 UPPER NECK RD, ELMER, NJ 08318-4544
Transaction Type	Mortgage
Record Updated	Apr 8, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045831564
Date	Mar 30, 2021
Book Page	4583/1564
Instrument	2021003718

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	305 Months
Due	Aug 1, 2046

Tax Assessment & Valuation

Source: Salem County and Pittsgrove Township assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Salem County
County Subdivision	Pittsgrove Township
Unified School District	Pittsgrove Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$158,300 (-) Land $52,800 Building $105,500	$158,300 (-) Land $52,800 Building $105,500
2025	$6,748.00 (+0.81%)	$158,300 (-) Land $52,800 Building $105,500	$158,300 (-) Land $52,800 Building $105,500
2024	$6,694.00 (+6.81%)
2023		$158,300 Land $52,800 Building $105,500	$158,300 Land $52,800 Building $105,500
2022	$6,267.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 27, 2016

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 58% of the US · above 74% of New Jersey
Wildfire Likelihood	0.1% 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

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