225 N MAIN ST

Middle Twp, Cape May County · Block 216, Lot 2

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Assessment year 2026 · Rate year 2025 · Prior rate 2024

Assessments are tax year 2026; latest published general rate we have is 2025. Estimate uses that rate until the 2026 rate is loaded.

Estimated tax story (homeowner view)
+2.7%

Estimated tax up $6,330 ($237,726 → $244,056) using 2024→2025 rates (2.028 → 2.082) × assessed net.

Assessment net change: 0.0% ($11,722,200 → $11,722,200).

Assessment

Land$1,209,300
Improvements$10,512,900
Net (taxable assessed, 2026)$11,722,200
Town avg ratio used64.09% (Average ratio (Director’s / Chapter 123))
Implied equalized value$18,290,217
2025 tax (MOD-IV billed)$253,433.96
Est. 2025 tax @ general rate$244,056
Mailing address (2026)2 STONE HARBOR BLVD, CAPE MAY COURT HOUSE; NJ, 082102138

How the ratio works: New Jersey towns often assess below full market value. The average ratio (Director’s / Chapter 123) estimates what percent of true market value the town’s assessments represent. Implied equalized value ≈ assessed net ÷ (ratio ÷ 100). Example: assessed $187,600 at 55.89% ≈ $335,700 equalized. Tax bills still use assessed value × the general tax rate — not the equalized figure.

The stored sale is not used for a change-since-sale figure. SR1A 25 — Full consideration under $100 marks it non-usable, or the price is a nominal amount.

Building permits for 225 N MAIN ST

The New Jersey construction-permit file lists 4 permits for 225 N MAIN ST in Middle Twp. 3 are still open in the state file. Permit 20260515, an alteration, was issued 11 Jun 2026 and is open in the state file. The reported cost is $210,001.

Permit Type Use Issued Closed Reported cost
000020220338 Alteration Business Uses 13 May 2022 Open in the state file $4,600
20220556 Alteration Business Uses 8 Aug 2022 27 Jan 2023, Certificate of Occupancy $1,102,100
20260484 Alteration International Residential Code 1 Jun 2026 Open in the state file $10,000
20260515 Alteration Medical, nursing care, for 6+ occupants 11 Jun 2026 Open in the state file $210,001

The file does not name the work. This file is a full record from 2021 on. Older permits are mostly missing. A repair from before then can be absent here and still be at the Middle Twp construction office.

Flood zone for 225 N MAIN ST

The flood map could not be checked for 225 N MAIN ST, because the address did not place a point on the map. Assessment and tax figures on this page are from our own records.

The state’s 10-foot ground scan puts the lowest cell on this lot at 4 feet and the highest at 12.5 feet (NAVD88).

These figures are estimates. The zone and any flood elevation come from FEMA’s flood map at a point for this address, and that point can fall in the street. The high and low come from the state’s 10-foot ground scan of the lot outline. A cell can catch a ditch, the street, or the edge of the lot. They are not a survey and not an insurance rating. A licensed surveyor measures the ground and the building. The town floodplain administrator, or a licensed engineer, confirms what the zone means for this lot. No zone at this point, or zone X, does not mean the lot will not flood.

Water and sewer for 225 N MAIN ST

The water and sewer maps could not be checked for 225 N MAIN ST, because the address did not place a point on the map.

Year-by-year assessed value & tax

From NJ MOD-IV files (2023, 2024, 2025, 2026). Tax is the MOD-IV billed amount when present; otherwise —. Current mailing is in Assessment above.

Year Assessed net Tax
2026 $11,722,200 —
2025 $11,722,200 $253,433.96
2024 $11,722,200 $247,221.20
2023 $10,626,100 $241,008.43

Assessed value & ratio history

Parcel assessed nets come from MOD-IV year files (2023, 2024, 2025, 2026). Town average ratios are from Abstract / Chapter 123 when available — implied equalized = assessed ÷ (ratio ÷ 100).

Tax year Assessed net Avg ratio Implied equalized Assessed Δ Equalized Δ
2023 $10,626,100 82.06% $12,949,184 — —
2024 $11,722,200 73.68% $15,909,609 +10.3% +22.9%
2025 $11,722,200 66.72% $17,569,245 0.0% +10.4%
2026 $11,722,200 64.09% $18,290,217 0.0% +4.1%

Tax year history

Assessed net is from that year’s MOD-IV file. Est. tax = assessed × that year’s general rate when we have the rate sheet. Billed tax is the MOD-IV tax field when present (often empty for the newest file year).

Tax year Assessment net General rate Est. tax (that year) Billed tax Est. vs prior
2023 $10,626,100 1.973 $209,653 $241,008.43 —
2024 $11,722,200 2.028 $237,726 $247,221.20 +13.4%
2025 $11,722,200 2.082 $244,056 $253,433.96 +2.7%
2026 $11,722,200 — — — —

Where your money goes

Component $ = net × (component rate ÷ 100). Percents are share of school + county + municipal components for rate year 2025.

Schools
$134,805 55.2%
County
$36,222 14.8%
Municipal
$73,029 29.9%

Of the estimated increase of $6,330, the school portion moved $2,696 up, the county portion $352 up, and the municipal portion $3,282 up. Those are pieces of the dollar change. They are not a change in each share of the rate.

District school (1.150)$134,805
County (0.254)$29,774
County library (0.040)$4,689
County open space (0.015)$1,758
Municipal purpose (0.623)$73,029

Property details

Class4A — Commercial
Building class—
BuildingMEDICAL OFFICES
Land description7.98AC
Dwellings1
Commercial units—
Year built1983
Acreage7.98
ZoningTCRC — town zoning code
Tax map page42
Additional lots—
Census tract / block—
Special tax codesF01 — Fire district 1
MOD-IV current-year tax—
Last sale$1 · 2/20/2019 · sale assessment $8,201,000 · SR1A 25 — Full consideration under $100
Deed book / page03840 / 00266

The class, building class, SR1A, and special-tax words are the state’s names for those codes. The zoning code is the town’s. A code that is not on the state list keeps the code and says so.

See this lot on the statewide map, then come back for the full tax story.

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Sources: NJ Division of Taxation MOD-IV (current parcel file) and tax rates for 2025 (Abstract of Ratables). Building permits are read live from the NJ construction-permit file for this block and lot. The flood zone is read live from FEMA’s flood map at a point for this address. The high and low are read live from the state’s 10-foot ground scan. Water and sewer are read live from the state’s service-area maps at that same point. Those map readings are estimates, not a survey and not a hookup record. Estimates are not an official tax bill. Owner names are not shown. Water and sewer · Full disclaimer.