654 Clark Ave, Union Beach (Keyport), NJ 07735 Property Records

Monmouth County and Union Beach Borough property record for 654 Clark Ave, Union Beach, NJ 07735

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 926 sqft · built 1938
Lot Size	0.184 acres (8,002 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (May 2020)
Tax Bill	$8,604 (2025)
Deeds & Mortgages	Jun 2026 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`50-00171-0000-00007`

Property Details

APN / Parcel Number

Primary APN	`50-00171-0000-00007`
Alternative APNs	`500017100007` `1672`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	926 sqft Living Area
1st Floor Area	926 sqft
Attic	Attic
Attic Area	926 sqft
Basement Area	464 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Other
Lot Area	8,002 sqft (0.184 acres)
Lot Dimensions	100 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	247 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Patio Area	80 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	1672
Street Address	654 CLARK AVE
City	UNION BEACH
State	NJ
Zip	07735-3336
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	LOT 8
Legal Subdivision	LORILLARD BEACH
Legal Block	171
Legal Lot Number	7
Jurisdiction	MONMOUTH NJ
Township / Civil Division	UNION BEACH
Census Block Group	5
Census Block	5018
Census Tract	801800

Owner

654 Clark Ave is owned and occupied by two individuals who bought it in May 2020.

Source: Monmouth County and Union Beach Borough records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	654 CLARK AVE, UNION BEACH, NJ 07735-3336
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT
May 11, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 11, 2020	Grant Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2020 · Amount on File
Deed Sale	May 11, 2020 · Amount on File
Prior Sale	Jul 29, 2005 · Amount on File
Deed Document Number	202049764
Deed Book / Page	9413 / 3719
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Recording Date	Jun 10, 2026
Property Address	654 CLARK AVE, UNION BEACH, NJ 07735-3336
Document Number	0000047129
Book / Page	9797 / 2906
Instrument Date	Jun 8, 2026
Instrument	202647129
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 CLARK AVE, UNION BEACH, NJ 07735-3336

Mortgage

Document Number	0000047129,
Date	Jun 10, 2026
Book Page	9797/2906
Instrument	202647129

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	299 Months
Due	May 1, 2051

Interest

Rate	6.37%
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	654 CLARK AVE, UNION BEACH, NJ 07735-3336
Transaction Type	Mortgage
Record Updated	Aug 18, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0095099440
Date	May 11, 2021
Book Page	9509/9440
Instrument	2021076231

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	May 11, 2020
Property Address	654 CLARK AVE, UNION BEACH, NJ 07735-3336
Document Number	0000049764
Book / Page	009413 / 003719
Instrument Date	Mar 20, 2020
Instrument	49764
Transaction Type	Transfer
Record Updated	Jul 20, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
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	654 CLARK AVE UNION BEACH NJ 077353336, UNION BEACH, NJ 07735-3336

Mortgage

Document Number	49765
Date	May 11, 2020
Book Page	009413/003794
Instrument	49765

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 10, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 654 Clark Ave was $8,604, up 15.1% from the year before.

Source: Monmouth County and Union Beach Borough assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
Municipality	Union Beach Borough
Unified School District	Union Beach Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$444,400 (+10.8%) Land $271,700 Building $172,700	$444,400 (+10.8%) Land $271,700 Building $172,700
2025	$8,604.00 (+15.09%)	$401,100 Land $236,400 Building $164,700	$401,100 Land $236,400 Building $164,700
2024	$7,476.00
2023		$331,000 Land $179,000 Building $152,000	$331,000 Land $179,000 Building $152,000
2022	$6,414.00

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

Flood

FEMA maps place 654 Clark Ave in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 75 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	75 in force
Nearby Flood Claims	74 (1992–2026)
Claims Outside the SFHA	9 of 74
Most Recent Claim	Aug 2026 · river or lake flooding
Claims by Event	Hurricane Sandy, Oct 2012 · 62 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 5 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 654 Clark 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 349 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: Optimum.

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