655 Lower Mill Rd, Elmer, NJ 08318 Property Records

Salem County and Pittsgrove Township property record for 655 Lower Mill Rd, Elmer, NJ 08318

Property Summary

Property Type	Single Family Home
Details	1,958 sqft · built 2003
Lot Size	3.01 acres (131,551 sqft)
Owner	2 Individual Names on Record
Tax Bill	$10,692 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Apr 2011 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-01205-0000-00015-01`

Property Details

APN / Parcel Number

Primary APN	`11-01205-0000-00015-01`
Alternative APN	`11012050000000150001`

Interior

Stories	1 Story
Building Area	1,958 sqft Living Area
1st Floor Area	1,958 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	131,551 sqft
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	655 LOWER MILL RD
City	ELMER
State	NJ
Zip	08318-3618
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	TOWNSHIP/PITTSGROVE TAX MAPS
Legal Block	1205
Legal Lot Number	15.1
Jurisdiction	SALEM NJ
Township / Civil Division	PITTSGROVE
Census Block Group	1
Census Block	1002
Census Tract	21101

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	655 LOWER MILL RD, ELMER, NJ 08318-3618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2020	Deed of Trust, Mortgage · Conventional with PMI PENNSVILLE NAT'L BK
Apr 1, 2011	Deed of Trust, Mortgage · Conventional with PMI PENNSVILLE NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 31, 2000
Transfer Doc	0000023175
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM NJ
Property Address	655 LOWER MILL RD, ELMER, NJ 08318-3618
Document Number	0045640584
Instrument Date	Sep 4, 2020
Transaction Type	Mortgage
Record Updated	Oct 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	655 LOWER MILL RD PITTSGROVE NJ 083183618, PITTSGROVE, NJ 08318-3618

Mortgage

Document Number	0045640584
Date	Oct 2, 2020
Book Page	004564/000584
Instrument	7914

Lender

Name	PENNSVILLE NAT'L BK
Type	Bank
Address	PENNSVILLE, NJ 08070

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2035

April 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM NJ
Property Address	655 LOWER MILL RD, ELMER, NJ 08318-3618
Document Number	0045640744
Instrument Date	Apr 1, 2011
Transaction Type	Mortgage
Record Updated	Oct 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	655 LOWER MILL RD ELMER NJ 083183618, ELMER, NJ 08318-3618

Mortgage

Document Number	0045640744
Date	Oct 5, 2020
Book Page	004564/000744
Instrument	7953

Lender

Name	PENNSVILLE NAT'L BK
Type	Bank
Address	PENNSVILLE, NJ 08070

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	60 Months
Due	Oct 4, 2025

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		$248,200 (-) Land $49,600 Building $198,600	$248,200 (-) Land $49,600 Building $198,600
2025	$10,692.00 (+0.82%)	$248,200 (-) Land $49,600 Building $198,600	$248,200 (-) Land $49,600 Building $198,600
2024	$10,605.00 (+6.42%)
2023		$248,200 Land $49,600 Building $198,600	$248,200 Land $49,600 Building $198,600
2022	$9,965.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	5 (2007–2011)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Severe Storms And Flooding, Aug 2011 · 2 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

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

Wildfire Risk	Moderate above 43% of the US · above 62% of New Jersey
Wildfire Likelihood	0.06% 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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