Cape May County and Lower Township property record for 974 Carol Ave, Cape May, NJ 08204
| Property Type | Single Family Home |
|---|---|
| Details | 1,068 sqft · built 1974 |
| Lot Size | 0.23 acres (10,001 sqft) |
| Owner | Individual Name on File |
| Last Sale | $233,000 (Nov 2020) |
| Tax Bill | $3,966 (2024) |
| Deeds & Mortgages | Feb 2024 Mortgage Aug 2022 Refinance + 3 more |
| APN | 05-00478-0000-00022 |
| Primary APN | 05-00478-0000-00022 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,068 sqft Living Area |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Bi-Level |
| Construction Type | Frame |
| Lot Area | 10,001 sqft (0.23 acres) |
| Lot Dimensions | 100 ft deep x 100 ft wide |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Street Address | 974 CAROL AVE |
|---|---|
| City | CAPE MAY |
| State | NJ |
| Zip | 08204-4941 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L23 |
| Legal Block | 478 |
| Legal Lot Number | 22 |
| Jurisdiction | CAPE MAY NJ |
| Township / Civil Division | LOWER |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 21702 |
974 Carol Ave is owned by an individual who bought it in November 2020.
Source: Cape May County and Lower Township records, as of June 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 101 HOLIDAY ST, MOUNT LAUREL, NJ 08054-2846 |
| 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.
| Date | Document |
|---|---|
| Feb 29, 2024 | Deed of Trust, Mortgage · Conventional Mortgage PRINCETON FCU |
| Aug 26, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance PRINCETON FCU |
| Nov 18, 2020 | Grant Deed, Transfer · Conventional with PMI EMBRACE HM LOANS |
| May 24, 2018 | Deed of Trust, Mortgage · Conventional Mortgage STURDY SVGS BK |
| May 29, 2018 | Grant Deed, Transfer · Conventional with PMI STURDY SVGS BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 18, 2020 · Amount on File |
| Deed Sale | Nov 18, 2020 · Amount on File |
| Prior Sale | May 29, 2018 · Amount on File |
| Deed Document Number | 202040918 |
| Deed Book / Page | 3946 / 17 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAPE MAY NJ |
| Property Address | 974 CAROL AVE, CAPE MAY, NJ 08204-4941 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000032559 |
|---|---|
| Date | Feb 29, 2024 |
| Book Page | M6708/260 |
| Instrument | 2024032559 |
| Name | PRINCETON FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 0.07% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 1, 2029 |
| Change Frequency | Monthly |
| Max Rate At Change | 0.02% |
| Index | 1-Year CMT |
| Max Rate | 0.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAPE MAY NJ |
| Property Address | 974 CAROL AVE, CAPE MAY, NJ 08204-4941 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000027016 |
|---|---|
| Date | Aug 26, 2022 |
| Book Page | M6589/48 |
| Instrument | 2022027016 |
| Name | PRINCETON FCU |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 145 Months |
| Due | Sep 1, 2034 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CAPE MAY NJ |
| Recording Date | Nov 18, 2020 |
| Property Address | 974 CAROL AVE, CAPE MAY, NJ 08204-4941 |
| Document Number | 0039460017 |
| Book / Page | 003946 / 000017 |
| Instrument Date | Nov 6, 2020 |
| Instrument | 40918 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2020 |
| Title Company | SHORE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $233.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4056 BAYSHORE RD CAPE MAY NJ 082044148, CAPE MAY, NJ 08204-4148 |
| Document Number | 62780589 |
|---|---|
| Date | Nov 18, 2020 |
| Book Page | 006278/000589 |
| Instrument | 40919 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 17, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAPE MAY NJ |
| Property Address | 974 CAROL AVE, CAPE MAY, NJ 08204-4941 |
| Document Number | 0009500110 |
| Instrument Date | May 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2020 |
| Title Company | VICTORIAN ABSTRACT AGENCY, VICTORIAN ABS AGCY |
| Name | Verified Name |
|---|---|
| Address | 4056 BAYSHORE RD CAPE MAY NJ 082044148, CAPE MAY, NJ 08204-4148 |
| Document Number | 0009500110 |
|---|---|
| Date | Nov 24, 2020 |
| Book Page | 000950/000110 |
| Instrument | 42037 |
| Name | STURDY SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CAPE MAY COURT HOUSE, NJ 08210 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 336 Months |
| Due | Nov 23, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CAPE MAY NJ |
| Recording Date | May 29, 2018 |
| Property Address | 974 CAROL AVE, CAPE MAY, NJ 08204-4941 |
| Document Number | 0037940435 |
| Book / Page | 003794 / 000435 |
| Instrument Date | Apr 16, 2018 |
| Instrument | 56649 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2018 |
| Title Company | VICTORIAN ABSTRACT AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $180.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 974 CAROL AVE CAPE MAY NJ 082044941, CAPE MAY, NJ 08204-4941 |
| Document Number | 59730188 |
|---|---|
| Date | May 29, 2018 |
| Book Page | 005973/000188 |
| Instrument | 56650 |
| Name | STURDY SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CAPE MAY COURT HOUSE, NJ 08210 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 28, 2048 |
Source: Cape May County and Lower Township assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Cape May County |
| County Subdivision | Lower Township |
| Secondary School District | Lower Cape May Regional School District (07 - 12) |
| Elementary School District | Lower Township School District (KG - 06) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $194,900 (-) Land $90,000 Building $104,900 | $194,900 (-) Land $90,000 Building $104,900 | |
| 2025 | $194,900 Land $90,000 Building $104,900 | $194,900 Land $90,000 Building $104,900 | |
| 2024 | $3,966.00 | ||
| 2023 | $194,900 Land $90,000 Building $104,900 | $194,900 Land $90,000 Building $104,900 | |
| 2022 | $3,786.00 |
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 974 Carol Ave; there have been 2 flood claims nearby since 2010.
Source: FEMA National Flood Hazard Layer, effective October 4, 2017 · 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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 2 (2010–2012) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
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 974 Carol Ave is low, with 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 92% of New Jersey |
|---|---|
| Wildfire Likelihood | 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: FCC Broadband Data Collection, based on 143 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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