344-346 NORTH MAIN STREET

Lacey Twp, Ocean County · Block 409, Lot 2.1

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Assessment year 2026 · Rate year 2026 · Prior rate 2025

Estimated tax story (homeowner view)
+6.4%

Estimated tax up $36,148 ($564,944 → $601,093) using 2025→2026 rates (2.735 → 2.910) × assessed net.

Assessment net change: 0.0% ($20,656,100 → $20,656,100).

Assessment

Land$3,202,000
Improvements$17,454,100
Net (taxable assessed, 2026)$20,656,100
Town avg ratio used60.11% (Average ratio (Director’s / Chapter 123))
Implied equalized value$34,363,833
2025 tax (MOD-IV billed)$564,944.34
Est. 2026 tax @ general rate$601,093
Mailing address (2026)575 FIFTH AVENUE FL 38, NEW YORK NY, 10017

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.

Change since the 2024 sale of $40,000,000: implied equalized value $34,363,833 is $5,636,167 below that sale. This is not an appraisal.

Building permits for 344-346 NORTH MAIN STREET

The New Jersey construction-permit file lists 35 permits for 344-346 NORTH MAIN STREET in Lacey Twp. 13 are still open in the state file. Permit 20260933, an alteration, was issued 29 Jul 2026 and is open in the state file. The reported cost is $36,000.

Permit Type Use Issued Closed Reported cost
20181203 Alteration Business Uses 14 Nov 2018 4 Feb 2025, Certificate of Approval $3,376
20200163 Alteration Mercantile buildings 26 Feb 2020 19 Jul 2021, Certificate of Approval $3,100
20200981 Alteration Business Uses 16 Oct 2020 29 Nov 2021, Certificate of Approval $6,500
20210023 Alteration International Residential Code 7 Jan 2021 29 Nov 2021, Certificate of Approval $26,000
20210044 Alteration International Residential Code 12 Jan 2021 18 Apr 2022, Certificate of Approval $1,900
20210060 Alteration International Residential Code 19 Jan 2021 19 Aug 2021, Temporary Certificate of Occupancy $118,500
20210269 Alteration International Residential Code 17 Mar 2021 19 Jul 2021, Certificate of Approval $2,300
20210060+B Alteration International Residential Code 22 Jun 2021 Open in the state file $0
20210730 Alteration Restaurants, Night Clubs, Dance Halls, and similar 29 Jun 2021 1 Dec 2021, Certificate of Approval $4,800
20210744 Alteration International Residential Code 30 Jun 2021 2 Aug 2021, Certificate of Approval $8,600
20210751 Alteration International Residential Code 1 Jul 2021 18 Apr 2022, Certificate of Approval $19,700
20210060+C Alteration International Residential Code 16 Aug 2021 Open in the state file $0
20220162 Alteration Business Uses 28 Feb 2022 28 Mar 2022, Continued Certificate of Occupancy $2
20220720 Alteration Business Uses 6 Jul 2022 Open in the state file $47,200
20220720+A Alteration Business Uses 13 Oct 2022 Open in the state file $2,000
20230068 Alteration International Residential Code 17 Jan 2023 17 Feb 2023, Certificate of Approval $8,400
20230188 Alteration Accessory buildings and miscellaneous structures 23 Feb 2023 6 Mar 2023, Certificate of Approval $3,800
20230366 Alteration Business Uses 13 Apr 2023 Open in the state file $6,150
20231090 Alteration Mercantile buildings 29 Sep 2023 Open in the state file $650
20231400 Alteration International Residential Code 1 Dec 2023 Open in the state file $1,200
20231438 Alteration Business Uses 12 Dec 2023 26 Mar 2025, Certificate of Approval $6,800
20240364 Alteration Mercantile buildings 12 Apr 2024 17 Apr 2024, Continued Certificate of Occupancy $4
20240659 Alteration Mercantile buildings 27 Jun 2024 13 Sep 2024, Certificate of Approval $7,300
20240780 Alteration Mercantile buildings 25 Jul 2024 30 Aug 2024, Certificate of Approval $6,000
20231438+A Alteration Business Uses 14 Jan 2025 Open in the state file $0
20250588 Alteration Mercantile buildings 18 Jun 2025 25 Sep 2025, Certificate of Approval $10,500
20250588+A Alteration Mercantile buildings 17 Jul 2025 Open in the state file $0
20250697 Alteration International Residential Code 21 Jul 2025 22 Sep 2025, Certificate of Approval $17,100
20251220 Alteration Business Uses 12 Dec 2025 Open in the state file $2,720
20260065 Alteration Business Uses 28 Jan 2026 12 Mar 2026, Certificate of Occupancy $28,700
20260245 Alteration Mercantile buildings 9 Mar 2026 31 Mar 2026, Certificate of Approval $3,000
20260545 Alteration Mercantile buildings 19 May 2026 Open in the state file $7,410
20260569 Alteration Mercantile buildings 21 May 2026 Open in the state file $39,000
20260747 Alteration Mercantile buildings 17 Jun 2026 23 Jul 2026, Certificate of Approval $2,465
20260933 Alteration Mercantile buildings 29 Jul 2026 Open in the state file $36,000

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 Lacey Twp construction office.

Flood zone for 344-346 NORTH MAIN STREET

The flood map could not be checked for 344-346 NORTH MAIN STREET, 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 15.1 feet and the highest at 33.9 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 344-346 NORTH MAIN STREET

The water and sewer maps could not be checked for 344-346 NORTH MAIN STREET, 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 $20,656,100 —
2025 $20,656,100 $564,944.34
2024 $20,656,100 $523,425.57
2023 $20,656,100 $489,343.01

Mailing changed in 2025 to 575 FIFTH AVENUE FL 38, NEW YORK NY, 10017.

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 $20,656,100 77.27% $26,732,367 — —
2024 $20,656,100 70.37% $29,353,560 0.0% +9.8%
2025 $20,656,100 64.80% $31,876,698 0.0% +8.6%
2026 $20,656,100 60.11% $34,363,833 0.0% +7.8%

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 $20,656,100 2.369 $489,343 $489,343.01 —
2024 $20,656,100 2.534 $523,426 $523,425.57 +7.0%
2025 $20,656,100 2.735 $564,944 $564,944.34 +7.9%
2026 $20,656,100 2.910 $601,093 — +6.4%

Where your money goes

Component $ = net × (component rate ÷ 100). Percents are share of school + county + municipal components for rate year 2026.

Schools
$362,638 60.3%
County
$114,517 19.1%
Municipal
$123,937 20.6%

Of the estimated increase of $36,148, the school portion moved $21,813 up, the county portion $6,899 up, and the municipal portion $7,436 up. Those are pieces of the dollar change. They are not a change in each share of the rate.

District school (1.756)$362,638
County (0.461)$95,163
County library (0.046)$9,460
County health (0.028)$5,722
County open space (0.020)$4,173
Municipal purpose (0.600)$123,937

Property details

Class4A — Commercial
Building class10 — not listed in the state appraisal manual
BuildingLACEY MALL
Land description21.34 ACRES
Dwellings1
Commercial units—
Year built—
Acreage21.34
ZoningC200 — town zoning code
Tax map page30
Additional lots—
Census tract / block—
Special tax codes—
MOD-IV current-year tax—
Last sale$40,000,000 · 10/10/2024 · sale assessment $20,656,100 · SR1A 00 — Usable for the sales study
Deed book / page19839 / 00977

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 2026 (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.