95 Delaware Ave, Fortescue, NJ 08321 Property Records

Cumberland County and Downe Township property record for 95 Delaware Ave, Fortescue, NJ 08321

Property Summary

Property Type	Single Family Home
Details	1,432 sqft · built 1998
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Aug 2026)
Tax Bill	$4,862 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Nov 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`04-00066-0000-00003`

Property Details

APN / Parcel Number

Primary APN	`04-00066-0000-00003`
Alternative APNs	`0400149000000003` `040006600003`

Interior

Stories	1 Story
Building Area	1,432 sqft Living Area
1st Floor Area	1,432 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Lot Area	3,920 sqft (0.09 acres)

Location & Zoning

Old Parcel Number	0400149000000003
Street Address	95 DELAWARE AVE
City	FORTESCUE
State	NJ
Zip	08321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Subdivision	HERBERT GARRISON ESTATES
Legal Block	66
Legal Lot Number	3
Jurisdiction	CUMBERLAND NJ
Township / Civil Division	DOWNE
Census Block Group	2
Census Block	2064
Census Tract	10302

Owner

95 Delaware Ave is owned by an individual who bought it in August 2026.

Source: Cumberland County and Downe Township records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	5900 ARLINGTON AVE, 12X, BRONX, NY 10471-1315
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2026	Deed, Transfer · Conventional Mortgage NFM LENDING
Nov 10, 2021	Deed, Transfer · FHA Mortgage FINANCE AMERICA LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2026 · Amount on File
Deed Sale	Aug 19, 2026 · Amount on File
Prior Sale	Nov 10, 2021 · Amount on File
Deed Document Number	2026745291
Deed Book / Page	4289 / 5802
Prior Transfer Date	Oct 12, 2009
Prior Transfer Doc	0000355517
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CUMBERLAND NJ
Recording Date	Aug 19, 2026
Property Address	95 DELAWARE AVE, FORTESCUE, NJ 08321
Document Number	0000745291
Book / Page	4289 / 5802
Instrument Date	Aug 19, 2026
Instrument	2026745291
Transaction Type	Transfer
Record Updated	Sep 1, 2026
Title Company	WEST JERSEY TITLE AGENCY, WEST JERSEY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$30,300.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5900 ARLINGTON AVE, 12X, BRONX, NY 10471-1315

Mortgage

Document Number	0000745291,
Date	Aug 19, 2026
Book Page	4289/5807
Instrument	2026745291

Lender

Name	NFM LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CUMBERLAND NJ
Recording Date	Nov 10, 2021
Property Address	95 DELAWARE AVE, FORTESCUE, NJ 08321
Document Number	0000635013
Book / Page	4218 / 1407
Instrument Date	Oct 4, 2021
Instrument	635013
Transaction Type	Transfer
Record Updated	Aug 17, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 DELAWARE AVE, FORTESCUE, NJ 08321

Mortgage

Document Number	0000635014
Date	Nov 10, 2021
Book Page	4218/1413
Instrument	635014

Lender

Name	FINANCE AMERICA LLC
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 95 Delaware Ave was $4,862, up 10.3% from the year before.

Source: Cumberland County and Downe Township assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Cumberland County
County Subdivision	Downe Township
Unified School District	Downe Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$152,900 (-) Land $80,000 Building $72,900	$152,900 (-) Land $80,000 Building $72,900
2025	$4,862.00 (+10.27%)	$152,900 Land $80,000 Building $72,900	$152,900 Land $80,000 Building $72,900
2024	$4,409.00
2023		$152,900 Land $80,000 Building $72,900	$152,900 Land $80,000 Building $72,900
2022	$3,920.00

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

Flood

FEMA maps place 95 Delaware Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 98 policies
Nearby Flood Policies	98 in force
Nearby Flood Claims	392 (1978–2025)
Claims Outside the SFHA	21 of 392
Most Recent Claim	Oct 2025 · alluvial fan flooding
Claims by Event	Hurricane Sandy, Oct 2012 · 124 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 21 claims Hurricane Gloria, Sep 1985 · 33 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

Wildfire risk around 95 Delaware Ave is moderate, ranking above 53% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · above 70% of New Jersey
Wildfire Likelihood	0.07% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BAYVIEW WATER SYSTEM private · serves 771 people · EPA ID NJ0604001
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 213 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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