Monmouth County and Ocean Township property record for 86 Cotswold Cir, Ocean, NJ 07712
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,378 sqft · built 1985 |
| Lot Size | 0.323 acres (14,083 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $390,000 (Oct 2021) |
| Tax Bill | $6,274 (2024) |
| Deeds & Mortgages | Dec 2025 Mortgage Oct 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 37 00034-0000-00029-0000-C3.06 |
| Primary APN | 37 00034-0000-00029-0000-C3.06 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,378 sqft Living Area |
| 1st Floor Area | 985 sqft |
| Upper Floors Area | 675 sqft |
| Basement Area | 322 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| 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 |
| Patio Area | 132 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Old Parcel Number | 37000340000000290000C3.06 |
|---|---|
| Street Address | 86 COTSWOLD CIR |
| City | OCEAN |
| State | NJ |
| Zip | 07712-2648 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UNIT F BLDG 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 | Individual Name on Record |
|---|---|
| Mailing Address | 86 COTSWOLD CIR, OCEAN, NJ 07712-2648 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 9, 2025 | Deed of Trust, Mortgage · Conventional Mortgage TIDEWATER MORTGAGE SERVICES INC |
| Oct 20, 2021 | Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Jul 31, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 20, 2021 · Amount on Record |
| Deed Sale | Oct 20, 2021 · Amount on Record |
| Deed Document Number | 2021155385 |
| Deed Book / Page | 9552 / 5849 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 86 COTSWOLD CIR, OCEAN, NJ 07712-2648 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2026 |
| Title Company | EVIDENT TITLE AGENCY INC |
| Name | Verified Name |
|---|---|
| Address | 3079 GOVERNORS XING, WALL TOWNSHIP, NJ 07719-4546 |
| Document Number | 0097695511 |
|---|---|
| Date | Dec 9, 2025 |
| Book Page | 9769/5511 |
| Instrument | 2025098199 |
| Name | TIDEWATER MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.62% |
| Type Change Date | Dec 1, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 5% |
| Max Rate At Change | 8.62% |
| Index | SOFR Average 30-Day |
| Margin | 4 |
| Max Rate | 11.6% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Oct 20, 2021 |
| Property Address | 86 COTSWOLD CIR, OCEAN, NJ 07712-2648 |
| Document Number | 0095525849 |
| Book / Page | 9552 / 5849 |
| Instrument Date | Sep 24, 2021 |
| Instrument | 2021155385 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2021 |
| Title Company | ALL AHEAD TITLE AGENCY LLC, ALL AHEAD TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,119.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 55 HURLEY AVE, 55, WYCKOFF, NJ 07481-2765 |
| Name | Verified Name |
|---|---|
| Address | 8 COTSWOLD CIR, OCEAN, NJ 07712-2643 |
| Document Number | 2021155386 |
|---|---|
| Date | Oct 20, 2021 |
| Instrument | 2021155386 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jul 31, 2018 |
| Property Address | 86 COTSWOLD CIR, OCEAN, NJ 07712-2648 |
| Document Number | 0000074964 |
| Book / Page | 009303 / 002050 |
| Instrument Date | Jul 23, 2018 |
| Instrument | 74964 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 55 HURLEY AVE WYCKOFF NJ 074812765, WYCKOFF, NJ 07481-2765 |
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 | $519,300 (+2.08%) Land $315,000 Building $204,300 | $519,300 (+2.08%) Land $315,000 Building $204,300 | |
| 2025 | $508,700 (+16.27%) Land $309,000 Building $199,700 | $508,700 (+16.27%) Land $309,000 Building $199,700 | |
| 2024 | $6,274.00 (+6.09%) | ||
| 2023 | $437,500 Land $248,000 Building $189,500 | $437,500 Land $248,000 Building $189,500 | |
| 2022 | $5,914.00 |
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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