Atlantic County and Galloway Township property record for 685 E Lake Front Cir, Galloway, NJ 08205
| Property Type | Single Family Home |
|---|---|
| Details | 1,428 sqft · built 1988 |
| Lot Size | 0.017 acres (738 sqft) |
| Owner | Individual Name on File |
| Last Sale | $284,000 (Jun 2026) |
| Tax Bill | $5,438 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Sep 2020 Sale & Mortgage |
| APN | 11-01173-10-00001-0000-C0081 |
| Primary APN | 11-01173-10-00001-0000-C0081 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,428 sqft Living Area |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Row Home |
| Construction Type | Frame |
| Lot Area | 738 sqft (0.017 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Street Address | 685 E LAKE FRONT CIR |
|---|---|
| City | GALLOWAY |
| State | NJ |
| Zip | 08205-3316 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CC |
| Legal Description | LAKE VICTORIA UNIT 1 BLDG 1173.10 |
| Legal Subdivision | LAKE VICTORIA |
| Legal Block | 1173 |
| Legal Lot Number | 1 |
| Jurisdiction | ATLANTIC NJ |
| Township / Civil Division | GALLOWAY |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 10501 |
685 E Lake Front Cir is owned and occupied by an individual who bought it in June 2026.
Source: Atlantic County and Galloway Township records, as of July 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 685 E LAKE FRONT CIR, GALLOWAY, NJ 08205-3316 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 1, 2026 | Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE |
| Sep 2, 2020 | Grant Deed, Transfer · Conventional with PMI CITIZENS BK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 2026 · Amount on File |
| Deed Sale | Jun 1, 2026 · Amount on File |
| Prior Sale | Sep 2, 2020 · Amount on File |
| Deed Document Number | 202624000 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ATLANTIC NJ |
| Recording Date | Jun 1, 2026 |
| Property Address | 685 E LAKE FRONT CIR, GALLOWAY, NJ 08205-3316 |
| Document Number | 0000024000 |
| Instrument Date | May 29, 2026 |
| Instrument | 202624000 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2026 |
| Title Company | ABSECON TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $28,684.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 685 E LAKE FRONT CIR, GALLOWAY, NJ 08205-3316 |
| Document Number | 0000024001, |
|---|---|
| Date | Jun 1, 2026 |
| Instrument | 202624001 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ATLANTIC NJ |
| Recording Date | Sep 2, 2020 |
| Property Address | 685 E LAKE FRONT CIR, GALLOWAY, NJ 08205-3316 |
| Document Number | 0000044618 |
| Instrument Date | Jul 31, 2020 |
| Instrument | 44618 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2020 |
| Title Company | SURETY TITLE AGENCY COASTAL RE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $165.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 685 E LAKE FRONT CIR GALLOWAY NJ 082053316, GALLOWAY, NJ 08205-3316 |
| Document Number | 44619 |
|---|---|
| Date | Sep 2, 2020 |
| Instrument | 44619 |
| Name | CITIZENS BK NA |
|---|---|
| Address | 1 CITIZENS PLZ, PROVIDENCE, RI 02903-1344 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2050 |
The 2025 property tax bill for 685 E Lake Front Cir was $5,438, up 1.6% from the year before.
Source: Atlantic County and Galloway Township assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Atlantic County |
| County Subdivision | Galloway Township |
| Elementary School District | Galloway Township School District (KG - 08) |
| Secondary School District | Greater Egg Harbor Regional School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $160,400 (-) Land $70,000 Building $90,400 | $160,400 (-) Land $70,000 Building $90,400 | |
| 2025 | $5,438.00 (+1.57%) | $160,400 Land $70,000 Building $90,400 | $160,400 Land $70,000 Building $90,400 |
| 2024 | $5,354.00 | ||
| 2023 | $160,400 Land $70,000 Building $90,400 | $160,400 Land $70,000 Building $90,400 | |
| 2022 | $5,150.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA's flood maps do not cover 685 E Lake Front Cir; there have been 5 flood claims nearby since 1992.
Source: FEMA National Flood Hazard Layer, effective August 27, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not included in the FIRM |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 5 (1992–2012) |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
| Claims by Event |
|
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 risk around 685 E Lake Front Cir is moderate, ranking above 42% of the US, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · above 61% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NJ AMERICAN WATER - ATLANTIC COUNTY private · serves 120,146 people · EPA ID NJ0119002 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 326 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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