656 Upper Neck Rd, Elmer, NJ 08318 Property Records

Salem County and Pittsgrove Township property record for 656 Upper Neck Rd, Elmer, NJ 08318

Property Summary

Property Type	Single Family Home
Details	1,644 sqft · built 1975
Lot Size	2.55 acres (111,078 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Aug 2015)
Tax Bill	$7,004 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-00304-0000-00029`

Property Details

APN / Parcel Number

Primary APN	`11-00304-0000-00029`
Alternative APNs	`1100023000000027` `110030400029`

Interior

Stories	2 Stories
Building Area	1,644 sqft Living Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	111,078 sqft

Location & Zoning

Old Parcel Number	1100023000000027
Street Address	656 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	29
Jurisdiction	SALEM NJ
Township / Civil Division	PITTSGROVE
Census Block Group	1
Census Block	1008
Census Tract	21102

Owner

656 Upper Neck Rd is owned and occupied by two individuals who bought it in August 2015.

Source: Salem County and Pittsgrove Township records, as of July 2, 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	656 UPPER NECK RD, ELMER, NJ 08318-4544
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Aug 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage RIVERFRONT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2015 · Amount on File
Deed Sale	Aug 10, 2015 · Amount on File
Prior Sale	May 3, 2006 · Amount on File
Deed Document Number	201590358
Deed Book / Page	3969 / 54
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM NJ
Property Address	656 UPPER NECK RD, ELMER, NJ 08318-4544
Transaction Type	Mortgage
Record Updated	Jul 27, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045951983
Date	Jul 12, 2021
Book Page	4595/1983
Instrument	2021007970

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM NJ
Property Address	656 UPPER NECK RD, ELMER, NJ 08318-4544
Document Number	0044660934
Instrument Date	Aug 21, 2018
Transaction Type	Mortgage
Record Updated	Apr 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 UPPER NECK RD ELMER NJ 083184544, ELMER, NJ 08318-4544

Mortgage

Document Number	0044660934
Date	Sep 5, 2018
Book Page	004466/000934
Instrument	133209

Lender

Name	RIVERFRONT FCU
Type	Credit Union
Address	READING, PA 19602

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 4, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 656 Upper Neck Rd was $7,004, up 0.8% from the year before.

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		$164,300 (-) Land $52,800 Building $111,500	$164,300 (-) Land $52,800 Building $111,500
2025	$7,004.00 (+0.81%)	$164,300 Land $52,800 Building $111,500	$164,300 Land $52,800 Building $111,500
2024	$6,948.00
2023		$164,300 Land $52,800 Building $111,500	$164,300 Land $52,800 Building $111,500
2022	$6,504.00

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

Flood

FEMA maps place 656 Upper Neck Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 656 Upper Neck Rd is moderate, ranking above 60% 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 60% of the US · above 75% 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 16 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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