645 Reed Rd, Jackson, NJ 08527 Property Records

Ocean County and Jackson Township property record for 645 Reed Rd, Jackson, NJ 08527

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,682 sqft · built 1999
Lot Size	2.08 acres (90,605 sqft)
Owner	2 Individual Names on File
Last Sale	$445,000 (Apr 2018)
Tax Bill	$11,878 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-10305-0000-00049`

Property Details

APN / Parcel Number

Primary APN	`12-10305-0000-00049`
Alternative APNs	`12000050001000030001` `1200005010000301`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,682 sqft Living Area
Gross Area	3,944 sqft
Basement Area	1,262 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Colonial
Construction Type	Frame
Roof Type	Gable
Roof Material	Asbestos
Lot Area	90,605 sqft
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
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	1200005010000301
Street Address	645 REED RD
City	JACKSON
State	NJ
Zip	08527-4735
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	2.08 AC
Legal Subdivision	MAJOR SUB
Legal Block	10305
Legal Lot Number	49
Jurisdiction	OCEAN NJ
Township / Civil Division	JACKSON
Census Block Group	3
Census Block	3023
Census Tract	717300

Owner

645 Reed Rd is owned and occupied by two individuals who bought it in April 2018.

Source: Ocean County and Jackson Township records, as of July 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	645 REED RD, JACKSON, NJ 08527-4735
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEW JERSEY LENDERS CORP
Mar 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEW JERSEY LENDERS CORP
Feb 10, 2020	Deed of Trust, Mortgage · FHA Mortgage GUARANTEED RATE
Apr 12, 2018	Grant Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2018 · Amount on File
Deed Sale	Apr 12, 2018 · Amount on File
Prior Sale	Jul 1, 1999 · Amount on File
Deed Document Number	201834930
Deed Book / Page	17081 / 1320
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Property Address	645 REED RD, JACKSON, NJ 08527-4735
Transaction Type	Mortgage
Record Updated	Nov 17, 2021
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0187521800
Date	Nov 1, 2021
Book Page	18752/1800
Instrument	2021156277

Lender

Name	NEW JERSEY LENDERS CORP
Type	Mortgage Company
Address	LITTLE FALLS, NJ 07424

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2036

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Property Address	645 REED RD, JACKSON, NJ 08527-4735
Transaction Type	Mortgage
Record Updated	Apr 9, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0183930077
Date	Mar 30, 2021
Book Page	18393/77
Instrument	2021048263

Lender

Name	NEW JERSEY LENDERS CORP
Type	Mortgage Company
Address	LITTLE FALLS, NJ 07424

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Property Address	645 REED RD, JACKSON, NJ 08527-4735
Document Number	0177981180
Instrument Date	Feb 10, 2020
Transaction Type	Mortgage
Record Updated	Mar 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	645 REED RD JACKSON NJ 085274735, JACKSON, NJ 08527-4735

Mortgage

Document Number	0177981180
Date	Feb 25, 2020
Book Page	017798/001180
Instrument	20056

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 24, 2050

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OCEAN NJ
Recording Date	Apr 12, 2018
Property Address	645 REED RD, JACKSON, NJ 08527-4735
Document Number	0170811320
Book / Page	017081 / 001320
Instrument Date	Mar 22, 2018
Instrument	34930
Transaction Type	Transfer
Record Updated	May 1, 2018
Title Company	NFTS TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$445.00
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 REED RD JACKSON NJ 085274735, JACKSON, NJ 08527-4735

Mortgage

Document Number	170811325
Date	Apr 12, 2018
Book Page	017081/001325
Instrument	34931

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 11, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 645 Reed Rd was $11,878, down 0.5% from the year before.

Source: Ocean County and Jackson Township assessment roll, as of July 7, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$820,300 (-) Land $256,300 Building $564,000	$820,300 (-) Land $256,300 Building $564,000
2025	$11,878.00 (-0.54%)	$820,300 Land $256,300 Building $564,000	$820,300 Land $256,300 Building $564,000
2024	$11,943.00
2023		$447,000 Land $136,700 Building $310,300	$447,000 Land $136,700 Building $310,300
2022	$11,295.00

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

Flood

FEMA maps place 645 Reed Rd 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
Nearby Flood Policies	1 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

Wildfire risk around 645 Reed Rd is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 65% of the US · above 79% of New Jersey
Wildfire Likelihood	0.2% 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 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	980 / 880
Optimum Cable · Fiber in parts of the area	940 / 35
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

Nearby Properties on Reed Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures