95 S Locust Ave, Salem, NJ 08079 Property Records

Salem County and Elsinboro Township property record for 95 S Locust Ave, Salem, NJ 08079

Property Summary

Property Type	Single Family Home
Details	2,857 sqft · built 1946
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Sep 2015)
Tax Bill	$12,755 (2025)
Deeds & Mortgages	Oct 2022 Second Mortgage May 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`04-00019-0000-00001`

Property Details

APN / Parcel Number

Primary APN	`04-00019-0000-00001`
Alternative APN	`040001900001`

Interior

Stories	1 Story
Building Area	2,857 sqft Living Area
1st Floor Area	2,857 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	26,136 sqft (0.6 acres)

Location & Zoning

Street Address	95 S LOCUST AVE
City	SALEM
State	NJ
Zip	08079-9622
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	19
Legal Lot Number	1
Jurisdiction	SALEM NJ
Township / Civil Division	ELSINBORO
Census Block Group	1
Census Block	1003
Census Tract	22202

Owner

95 S Locust Ave is owned and occupied by two individuals who bought it in September 2015.

Source: Salem County and Elsinboro Township records, as of July 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	95 S LOCUST AVE, SALEM, NJ 08079-9622
Occupancy	Owner Occupied
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
Oct 5, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
May 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage JUSTICE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2015 · Amount on File
Deed Sale	Sep 4, 2015 · Amount on File
Prior Sale	May 29, 2003 · Amount on File
Deed Document Number	201591359
Deed Book / Page	3981 / 122
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM NJ
Property Address	95 S LOCUST AVE, SALEM, NJ 08079-9622
Transaction Type	Mortgage
Record Updated	Oct 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046451556
Date	Oct 5, 2022
Book Page	4645/1556
Instrument	2022010569

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	WAYNE, PA 19087

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM NJ
Property Address	95 S LOCUST AVE, SALEM, NJ 08079-9622
Document Number	0042640846
Book / Page	004264 / 000846
Instrument Date	May 11, 2017
Transaction Type	Mortgage
Record Updated	Dec 8, 2017
Title Company	FIRSTT AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	95 S LOCUST AVE SALEM NJ 080799622, SALEM, NJ 08079-9622

Mortgage

Document Number	0042640846
Date	Jul 10, 2017
Book Page	004264/000846
Instrument	116228

Lender

Name	JUSTICE FCU
Type	Credit Union
Address	5175 PARKSTONE DR # 200, CHANTILLY, VA 20151-3816

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 9, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 95 S Locust Ave was $12,755, up 1.7% from the year before.

Source: Salem County and Elsinboro Township assessment roll, as of July 2, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$402,100 (-) Land $139,900 Building $262,200	$402,100 (-) Land $139,900 Building $262,200
2025	$12,755.00 (+1.67%)	$402,100 Land $139,900 Building $262,200	$402,100 Land $139,900 Building $262,200
2024	$12,545.00
2023		$402,100 Land $139,900 Building $262,200	$402,100 Land $139,900 Building $262,200
2022	$11,592.00

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

Flood

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

Source: FEMA National Flood Hazard Layer, effective June 27, 2016 · 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 71 policies
Nearby Flood Policies	71 in force
Nearby Flood Claims	47 (1978–2020)
Claims Outside the SFHA	9 of 47
Most Recent Claim	Aug 2020 · Tropical Storm Isaias
Claims by Event	Tropical Storm Isaias, Aug 2020 · 3 claims Hurricane Sandy, Oct 2012 · 6 claims Hurricane Floyd Emergency Declarations, Sep 1999 · 8 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 S Locust Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 87% of Delaware
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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