Monmouth County and Ocean Township property record for 85 Cotswold Cir, Ocean, NJ 07712
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,560 sqft · built 1985 |
| Lot Size | 0.323 acres (14,083 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $506,600 (Jan 2024) |
| Tax Bill | $6,387 (2024) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 37 00034-0000-00029-0000-C3.05 |
| Primary APN | 37 00034-0000-00029-0000-C3.05 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,560 sqft Living Area |
| 1st Floor Area | 1,072 sqft |
| Upper Floors Area | 752 sqft |
| Basement Area | 368 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 14,083 sqft (0.323 acres) |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Deck Area | 92 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Old Parcel Number | 37000340000000290000C3.05 |
|---|---|
| Street Address | 85 COTSWOLD CIR |
| City | OCEAN |
| State | NJ |
| Zip | 07712-2648 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 846 |
| Legal Description | COTSWOLD-ON-THE-GREEN CORN UNIT 3 BLD 3 NIT 1A |
| Legal Subdivision | COTSWOLD-ON-THE GREEN BLDG 03 |
| Legal Block | 34 |
| Legal Lot Number | 29 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | OCEAN |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 806502 |
Source: Monmouth County and Ocean Township records, as of July 9, 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 | 85 COTSWOLD CIR, OCEAN, NJ 07712-2648 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 29, 2024 | Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC |
| Apr 7, 2020 | Deed of Trust, Mortgage · Conventional with PMI NJ LENDERS |
| Jun 8, 2018 | Grant Deed, Transfer · Conventional with PMI NJ LENDERS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 29, 2024 · Amount on Record |
| Deed Sale | Jan 29, 2024 · Amount on Record |
| Prior Sale | Jan 20, 2021 · Amount on Record |
| Deed Document Number | 20246281 |
| Deed Book / Page | 9675 / 8768 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jan 29, 2024 |
| Property Address | 85 COTSWOLD CIR, OCEAN, NJ 07712-2648 |
| Document Number | 0096758768 |
| Book / Page | 9675 / 8768 |
| Instrument Date | Jan 3, 2024 |
| Instrument | 2024006281 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2024 |
| Title Company | TRIDENT LAND TRANSFER COMPANY LP, TRIDENT LAND TRANSFER CO LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,242.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3 SAUL PL, OLD BRIDGE, NJ 08857-2264 |
| Name | Verified Name |
|---|---|
| Address | 85 COTSWOLD CIR, OCEAN, NJ 07712-2648 |
| Document Number | 2024006282 |
|---|---|
| Date | Jan 29, 2024 |
| Instrument | 2024006282 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 85 COTSWOLD CIR, OCEAN, NJ 07712-2648 |
| Document Number | 0000042537 |
| Instrument Date | Apr 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2020 |
| Title Company | COUNSELLORS TITLE AGENCY INC, COUNSELLORS TITLE AGCY INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 85 COTSWOLD CIR OCEAN NJ 077122648, OCEAN, NJ 07712-2648 |
| Document Number | 0000042537 |
|---|---|
| Date | Apr 23, 2020 |
| Book Page | 009409/003565 |
| Instrument | 42537 |
| Name | NJ LENDERS |
|---|---|
| Address | LITTLE FALLS, NJ 07424 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 22, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jun 8, 2018 |
| Property Address | 85 COTSWOLD CIR, OCEAN, NJ 07712-2648 |
| Document Number | 0000057308 |
| Book / Page | 009291 / 008111 |
| Instrument Date | May 24, 2018 |
| Instrument | 57308 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2018 |
| Title Company | RED BANK TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $280.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 85 COTSWOLD CIR OCEAN NJ 077122648, OCEAN, NJ 07712-2648 |
| Document Number | 57309 |
|---|---|
| Date | Jun 8, 2018 |
| Book Page | 009291/008130 |
| Instrument | 57309 |
| Name | NJ LENDERS |
|---|---|
| Address | LITTLE FALLS, NJ 07424 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 7, 2048 |
Source: Monmouth County and Ocean Township assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| County Subdivision | Ocean Township |
| Unified School District | Ocean Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $527,900 (+2.07%) Land $315,000 Building $212,900 | $527,900 (+2.07%) Land $315,000 Building $212,900 | |
| 2025 | $517,200 (+16.17%) Land $309,000 Building $208,200 | $517,200 (+16.17%) Land $309,000 Building $208,200 | |
| 2024 | $6,387.00 (+5.73%) | ||
| 2023 | $445,200 (+27.64%) Land $248,000 Building $197,200 | $445,200 (+27.64%) Land $248,000 Building $197,200 | |
| 2022 | $6,041.00 (-0.95%) | $348,800 Land $161,000 Building $187,800 | $348,800 Land $161,000 Building $187,800 |
| 2021 | $6,099.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 92% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 - COASTAL NORTH private · serves 377,613 people · EPA ID NJ1345001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2023 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | Turbidity resolved · Sep 2019 |
|---|---|
| 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 129 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 |
| Optimum Cable · Fiber in parts of the area | 940 / 35 |
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