645 E Cape May Ave, Ocean Gate, NJ 08740 Property Records

Ocean County and Ocean Gate Borough property record for 645 E Cape May Ave, Ocean Gate, NJ 08740

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,014 sqft · built 2019
Lot Size	0.184 acres (8,002 sqft)
Owner	2 Individual Names on File
Last Sale	$347,900 (Jan 2020)
Tax Bill	$11,181 (2025)
Deeds & Mortgages	Jan 2020 Sale & Mortgage Apr 2019 Sale
Flood Zone	Zone AE (high risk)
APN	`22-00071-0000-00011`

Property Details

APN / Parcel Number

Primary APN	`22-00071-0000-00011`
Alternative APNs	`2200071000003423` `220007100011`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,014 sqft Living Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Colonial
Construction Type	Frame
Roof Type	Gable
Roof Material	Asbestos
Lot Area	8,002 sqft (0.184 acres)
Lot Dimensions	100 ft deep x 80 ft wide
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	2200071000003423
Street Address	645 E CAPE MAY AVE
City	OCEAN GATE
State	NJ
Zip	08740-1325
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	80X100 12
Legal Subdivision	OCEAN GATE SEC 2
Legal Block	71
Legal Lot Number	11
Jurisdiction	OCEAN NJ
Township / Civil Division	OCEAN GATE
Census Block Group	2
Census Block	2001
Census Tract	729000

Owner

645 E Cape May Ave is owned by two individuals who bought it in January 2020.

Source: Ocean County and Ocean Gate Borough records, as of July 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 232, OCEAN GATE, NJ 08740-0232
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2020	Grant Deed, Transfer · Conventional Mortgage QUICKEN LNS
Apr 12, 2019	Grant Deed, Transfer COUNSELLORS TITLE AGENCY INC, COUNSELLORS TITLE AGCY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2020 · Amount on File
Deed Sale	Jan 27, 2020 · Amount on File
Prior Sale	Apr 12, 2019 · Amount on File
Deed Document Number	20208877
Deed Book / Page	17765 / 143
Record Updated	Sep 20, 2026

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OCEAN NJ
Recording Date	Jan 27, 2020
Property Address	645 E CAPE MAY AVE, OCEAN GATE, NJ 08740-1325
Document Number	0177650143
Book / Page	017765 / 000143
Instrument Date	Jan 8, 2020
Instrument	8877
Transaction Type	Transfer
Record Updated	Feb 18, 2020
Title Company	AMERICAN LAND TITLE ASSOCIATION, AMERICAN LAND TITLE ASSN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$348.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	645 E CAPE MAY AVE OCEAN GATE NJ 087401325, OCEAN GATE, NJ 08740-1325

Mortgage

Document Number	177650149
Date	Jan 27, 2020
Book Page	017765/000149
Instrument	8878

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 26, 2050

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OCEAN NJ
Recording Date	Apr 12, 2019
Property Address	645 E CAPE MAY AVE, OCEAN GATE, NJ 08740-1325
Document Number	0174381642
Book / Page	017438 / 001642
Instrument Date	Apr 10, 2018
Instrument	33544
Transaction Type	Transfer
Record Updated	May 1, 2019
Title Company	COUNSELLORS TITLE AGENCY INC, COUNSELLORS TITLE AGCY INC

Transaction

Amount	Amount on Record
Tax	$85.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 PELICAN DR #1 BAYVILLE NJ 087211658, 1, BAYVILLE, NJ 08721-1658

Tax Assessment & Valuation

The 2025 property tax bill for 645 E Cape May Ave was $11,181, up 10.8% from the year before.

Source: Ocean County and Ocean Gate Borough assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Ocean County
Municipality	Ocean Gate Borough
Secondary School District	Central Regional School District (07 - 12)
Elementary School District	Ocean Gate Borough School District (KG - 06)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$614,000 (-) Land $188,500 Building $425,500	$614,000 (-) Land $188,500 Building $425,500
2025	$11,181.00 (+10.77%)	$614,000 Land $188,500 Building $425,500	$614,000 Land $188,500 Building $425,500
2024	$10,094.00
2023		$349,000 Land $74,700 Building $274,300	$349,000 Land $74,700 Building $274,300
2022	$9,705.00

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

Flood

FEMA maps place 645 E Cape May Ave 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	5.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 52 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	52 in force
Nearby Flood Claims	81 (1984–2021)
Claims Outside the SFHA	7 of 81
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Hurricane Sandy, Nov 2012 · 65 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 645 E Cape May Ave 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	OCEAN GATE WATER DEPT serves 3,200 people · EPA ID NJ1521001
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 278 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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