Ocean Property Tax Guide: Waterfront Rates & Appeal Tips Homeowners

Ocean Property Tax rates for beachfront real estate can feel steep, especially when waterfront property tax rates differ by town and flood zone property tax adjustments apply after a storm. Coastal property tax assessment often includes a marine property tax exemption for qualifying dock owners and special assessment for coastal erosion that can raise the taxable value of ocean‑view homes. Homeowners can use the oceanfront property tax calculator on the Ocean County Board of Taxation portal to estimate annual bills and compare them to the county‑wide effective rate of 1.42 %. If you notice a discrepancy, the property tax appeal for beach homes lets you contest a beachfront condo tax valuation or request maritime tax relief programs before the April 1, 2026 deadline.

Ocean Property Tax considerations also cover tax deductions for coastal homeowners, such as credits for marine protected areas and tax incentives for sustainable coastal development. Rental owners must meet oceanfront rental tax requirements and report any tax on offshore structures attached to their property. The Ocean County Board of Taxation (phone (732) 929‑2008) and the Ocean County Clerk’s Office (phone (732) 929‑2018) provide forms and guidance for reassessment after storm damage, historic seaside house tax benefits, and island property tax guidelines. Knowing these rules helps you keep more of your property’s value while staying compliant.

Search Ocean County Property Tax

Ocean County homeowners, buyers, and investors can search Ocean County Property Tax records through the Ocean County Board of Taxation. The official Tax Board website is at https://tax.co.ocean.nj.us/ and provides access to assessment data, tax rates, and property information for parcels within the county. Property data and tax maps for Ocean County are also available through NJTaxMaps.com, which allows searches by owner, address, or block and lot number.

Once you reach the Tax Board site, follow these steps to complete your search:

1. Click on the appropriate search, property search, or tax list link located in the main menu.
2. Enter the property details you have available, such as the block number, lot number, property owner name, or street address.
3. Select the municipality from the dropdown list if required.
4. Press the “Search” button to display matching property records.
5. Review the results to see the assessed value, tax rate, and any exemptions applied to the parcel.

For questions about your tax bill or payment status, contact your local municipal tax collector rather than the county board. The county board handles appeals, assessment records, and equalization, while collectors manage billing and payment processing for each town.

Coastal Property Tax Assessment in Ocean County

Ocean County sits along the New Jersey shoreline and contains dozens of coastal communities with unique property features. Beachfront homes, bayside properties, and barrier island parcels receive assessments based on location, view, and access to water. The Ocean County Board of Taxation oversees these assessments and maintains the official records for every municipality.

Coastal parcels often carry higher assessed values because of their desirable ocean views and direct beach access. Assessors in each municipality apply mass appraisal techniques to keep values consistent across similar properties. Storm damage, erosion, and flood zone status can also affect the final assessment amount.

Key Factors That Shape Coastal Assessments

• Distance from the high tide line and beach access points
• View corridors such as direct ocean, bay, or canal frontage
• Lot size, building size, and structure condition
• Flood zone designation from FEMA flood maps
• Recent sales of comparable coastal properties

Waterfront Property Tax Rates by Municipality

Waterfront property tax rates in Ocean County vary from one town to the next because each municipality sets its own general tax rate. The rate applies to every $100 of taxable assessed value on a property. For 2026, the county-wide effective property tax rate is approximately 1.42 percent, while average rates across the county are reported around 2.17 percent. Individual towns fall above and below these figures based on local budgets, school funding needs, and county tax levies approved by voters. According to county reports, Ocean County will raise approximately $544,639,035 in taxes in 2026, an increase of roughly 4.5 percent over 2026.

Homeowners should check the current general tax rate for their specific municipality each year. The NJ Division of Taxation publishes General Tax Rates by County and Municipality, which is the official source for current rates.

Marine Property Tax Exemptions for Dock Owners

Some Ocean County property owners may qualify for exemptions that reduce the taxable value of their land. Owners should contact their municipal assessor to learn which exemptions apply to their specific property, including any that may be available for water-dependent structures. Each exemption has its own application, eligibility requirements, and review process.

To claim an exemption, owners usually file paperwork with their municipal assessor. The assessor reviews the application, inspects the property if needed, and forwards a recommendation to the county tax board. Approval leads to a reduced assessment and a lower annual tax bill.

Common Exemption Categories to Ask About

• Active commercial marine structures such as fishing piers or working docks
• Boat slip or marina structures tied to a commercial operation
• Wetland or marsh areas recognized under state environmental programs
• Conservation or nonprofit-held parcels

Beachfront Real Estate Tax and Valuation Methods

Beachfront real estate tax bills reflect high market values driven by ocean views and rental income potential. Assessors use three common approaches to value these homes: the sales comparison approach, the cost approach, and the income approach for rental properties. Each method looks at different factors to reach a fair assessed value.

The sales comparison approach looks at recent sales of similar oceanfront homes within the same municipality. The cost approach calculates what it would cost to rebuild the structure minus depreciation. The income approach applies to rental properties and uses potential rental income to set the value.

Valuation Tips for Beachfront Owners

• Keep records of any storm damage repairs and document them with photos
• Track rental income and expense reports if you rent the property
• Collect comparable sales data from your neighborhood
• Review FEMA flood zone maps for your exact parcel

Oceanfront Property Tax Calculator Tools

An oceanfront property tax calculator helps you estimate your annual bill before you buy or appeal. The Ocean County Board of Taxation website provides information about assessed values and the current general tax rate for parcels. Multiply the assessed value by the rate and divide by 100 to get the base tax amount. NJTaxMaps.com also provides property data and tax maps for Ocean County parcels.

Online calculators outside the county portal also accept inputs like market value, local tax rate, and any exemptions. These tools give you a quick estimate, but the official tax bill comes from your local municipal tax collector. Always confirm any estimate with the official records before relying on the figure.

Calculator Input Checklist

• Property address or block and lot number
• Current assessed value from official tax records
• Local general tax rate for your municipality
• Any approved exemptions such as senior freeze or veteran status

Property Tax Appeal for Beach Homes

Beach home owners in Ocean County can file a property tax appeal if they believe the assessed value is too high. The Ocean County Board of Taxation accepts appeals during a set window each year. For 2026, the standard filing deadline is April 1, and towns that completed a district-wide revaluation or reassessment have until May 1.

Appeals must use the official New Jersey Form A-1 for county tax board hearings. Owners of properties assessed above $1,000,000 may also file directly with the New Jersey Tax Court of New Jersey. The table below summarizes the appeal process steps and typical filing details.

For additional appeal guidance, contact the Ocean County Board of Taxation at (732) 929-2008 or visit https://tax.co.ocean.nj.us/.

Maritime Tax Relief Programs

Maritime tax relief programs may help working waterfront owners keep their property affordable. New Jersey offers a series of farmland and woodland assessments, and coastal owners may qualify for separate programs tied to marine industries. These programs often require proof of commercial activity tied to the water.

Eligible activities may include commercial fishing, boat charters, and marine construction. Each program has its own application form and review process. The Ocean County Board of Taxation can direct you to the right paperwork based on the type of marine activity on your property.

Typical Program Requirements

• Proof of active commercial marine use on the property
• Income records showing revenue from marine activities
• Business registration with the State of New Jersey
• Annual renewal of the application with the assessor

Local Taxes on Oceanfront Land

Local taxes on oceanfront land include the general property tax, sewer and water fees, and special district charges. Some coastal communities also add beach badge fees or shore protection taxes to support sand replenishment and dune projects. These extra charges appear on the same annual tax bill.

Special districts such as the Barnegat Bay region may carry additional assessments for environmental programs. Check your municipal budget or contact the town hall to identify every charge that appears on your bill. Paying attention to these line items helps you spot errors or duplicate charges.

Common Bill Line Items

• General municipal tax
• County tax for Ocean County operations
• Local school district tax
• Open space or farmland preservation tax
• Beach access or shore protection fee

Tax Deductions for Coastal Homeowners

Federal tax law allows coastal homeowners to deduct certain property taxes on their annual income tax return. State and local tax deductions remain capped at $10,000 for most filers under current federal rules. Beach home owners who itemize can include their property tax payments up to the cap.

Homeowners should keep receipts and bank records for every property tax payment. The local tax collector provides a year-end statement that shows the total amount paid. This statement supports your federal deduction claim and protects you during an audit.

Deduction Documentation

• Year-end tax payment statement from the municipal tax collector
• Bank statements showing each quarterly payment
• Cancelled checks or electronic payment confirmations
• Form 1098 or equivalent documentation from the lender escrow account

Flood Zone Property Tax Adjustments

Properties inside a FEMA flood zone often pay higher insurance premiums and may receive special property tax adjustments. Some municipalities apply a deduction or reduced assessment for parcels that suffer repeated flood damage. The Ocean County Board of Taxation reviews these cases through the regular appeal process.

Homeowners should request a copy of the current FEMA flood map for their address from the local building department. If the map shows the home inside a high-risk zone, gather elevation certificates and flood insurance documentation. These records strengthen any appeal for a tax adjustment.

Flood Zone Appeal Evidence

• FEMA flood map showing the parcel boundary
• Elevation certificate from a licensed surveyor
• Photos of past flood events and repairs
• Insurance policy declarations page

Special Assessment for Coastal Erosion

Coastal erosion can strip land from a waterfront parcel and reduce its usable area. Some Ocean County towns offer a special assessment for coastal erosion that lowers the taxable value of the lost portion. Owners must document the loss with surveys, photos, and official erosion reports.

Apply for the special assessment through the municipal assessor. The assessor forwards a recommendation to the county tax board for final approval. The reduced assessment takes effect on the next tax bill once the change is recorded.

Erosion Assessment Steps

• Hire a licensed surveyor to measure the current lot size
• Collect historical photos that show the original shoreline
• Obtain a state or county erosion report for the area
• Submit the application to the municipal assessor

Beachfront Condo Tax Valuation

Beachfront condo tax valuation follows a different process than single-family homes. The county assessor values the land and building shell as a whole, then divides that value among each unit based on the condo association bylaws. Each unit owner receives a separate tax bill for their share of the total assessment.

Condo owners who disagree with the unit valuation can appeal just like a homeowner. The appeal form and deadline remain the same, but the evidence should focus on issues specific to the unit, such as interior condition, floor level, and view obstruction from neighboring buildings.

Condo Appeal Checklist

• Copy of the condo association bylaws and unit percentage
• Photos of the unit interior and any defects
• Recent sales of similar units in the same complex
• Records of assessments paid by neighbors in the building

Tax Implications of Owning a Private Dock

Owning a private dock can affect your property tax bill. A dock adds value to the parcel and may raise the assessment. Owners should ask the assessor how the dock appears on the current assessment record and whether any exemptions may apply to water-dependent structures on the property.

If the dock value is bundled into the land value, the owner may request a separate breakdown. A clear breakdown makes it easier to understand the assessment and to file for any available exemption.

Owner Action Steps

• Request a copy of the property record card from the assessor
• Confirm whether the dock is listed as a separate improvement
• Ask the assessor about exemption eligibility
• Keep receipts for dock construction and repair work

Island Property Tax Guidelines

Barrier island communities such as Long Beach Island follow the same general property tax rules as the rest of Ocean County. The municipal tax collector issues bills and accepts payments on the standard quarterly schedule. The county tax board processes assessment records and appeals for every island parcel.

Island properties face higher insurance costs and stricter building codes because of storm exposure. These factors do not change the property tax process, but they do influence the assessed value. A home with a reinforced foundation and storm shutters often has a higher assessment than a similar home without those features.

Island Owner Tips

• Pay attention to the quarterly tax due dates set by the town
• Document any storm damage repairs and keep all receipts
• Track comparable sales on the same island for appeal evidence
• Confirm flood zone status before any major renovation

Sea Level Rise Tax Considerations

Sea level rise adds long-term risk to coastal property values. Some buyers and appraisers now factor future flooding risk into the price they pay for a beach home. Over time, this shift can lower the market value of exposed parcels and influence the assessed value used for tax purposes.

Owners concerned about future assessments should document the steps they take to protect the property. Elevated foundations, living shorelines, and dune restoration projects can support a stable or rising assessment. A history of property improvements also helps during an appeal.

Risk Documentation Tips

• Save permits and plans for any elevation work
• Photograph the property before and after storms
• Keep elevation certificates up to date
• Track state and local sea level rise guidance for your area

Taxable Value of Ocean-View Homes

The taxable value of ocean-view homes depends on view quality, distance from the water, and lot position. A direct oceanfront home carries a higher taxable value than a home one block inland with only a partial view. Assessors record view type on the property record card and use it during the mass appraisal process.

Owners who lose a view because of a new neighbor building can ask for a value review. The view loss is a valid ground for an appeal if the assessor can confirm the change. Submit photos and dates that show the view before and after the new construction.

View Loss Appeal Evidence

• Dated photos from inside the home showing the old view
• Dated photos that show the new obstruction
• Survey or building plans for the neighboring structure
• Recent sales of similar homes with a blocked view

Property Tax Credits for Marine Protected Areas

Some New Jersey programs offer property tax credits for owners who place their land in a marine protected area or conservation easement. The credit reduces the taxable value of the restricted portion of the property. Owners keep the land but agree to limit future development.

Apply for the credit through the county tax board with support from a state agency or a land trust. The agency confirms the conservation status of the parcel. Once approved, the assessor adjusts the assessment and the tax bill drops on the next cycle.

Conservation Credit Process

• Contact a state agency or land trust about a conservation easement
• Sign the easement and record it with the county clerk
• Submit the recorded easement to the tax board
• Receive a new assessment with the credit applied

Coastal Zoning Tax Regulations

Coastal zoning rules limit what an owner can build or change on a waterfront parcel. These rules come from the municipal zoning board, the county planning board, and the New Jersey Department of Environmental Protection. Zoning changes can raise or lower property values, which then changes the tax bill.

Owners planning a renovation should check the local zoning code before any work starts. A variance or a denied permit can stall a project and freeze the assessed value at the current level. Approved projects often lead to a higher assessment on the next tax roll.

Zoning Items That Affect Taxes

• Setback rules for new construction near the dune line
• Height limits for oceanfront buildings
• Impervious coverage limits on the lot
• Required permits from state environmental agencies

Tax on Offshore Structures

Offshore structures such as piers, breakwaters, and floating docks may be taxed as improvements on the property. The assessor lists the structure on the property record card and adds its value to the total assessment. A structure in poor condition receives a lower value than a new or well-maintained one.

Owners who remove an offshore structure should ask the assessor to remove the value from the record. A dated photo of the empty waterway and a receipt for the removal work support the request. The next tax bill should drop once the assessor updates the record.

Structure Removal Steps

• Photograph the structure on the day of removal
• Save the contractor invoice and any permit records
• Notify the assessor in writing of the removal
• Confirm the new assessment on the next tax bill

Oceanfront Rental Tax Requirements

Owners who rent out an oceanfront home must meet state and local tax requirements in addition to property tax. New Jersey requires most landlords to collect and remit state sales tax on short-term rentals. Many Ocean County towns also add a local hotel or occupancy tax that applies to weekly rentals.

Failure to collect and remit these taxes can lead to fines and a lien on the property. Renters do not pay your property tax bill, but rental income can help you cover it. Work with a local accountant or tax advisor to set up the right collection system before the first booking.

Rental Tax Setup Steps

• Register the rental with the New Jersey Division of Taxation
• Apply for a sales tax permit for short-term rental income
• Check the local hotel or occupancy tax rules in your town
• Track every booking, payment, and tax collected in one ledger

Reassessment After Storm Damage Coastal

A major storm can damage a coastal home and lower its market value. Owners can ask the assessor for a reassessment after storm damage to reflect the new condition. The reduced assessment lowers the property tax bill until the owner completes repairs.

Submit a written request to the municipal assessor with photos, repair estimates, and insurance adjuster reports. The assessor reviews the file and may inspect the property. A reduced assessment takes effect on the next quarterly tax bill once the change is approved.

Storm Damage Reassessment Checklist

• Dated photos that show the damage from multiple angles
• Repair estimates from licensed contractors
• Insurance claim number and adjuster report
• Written request to the assessor for a value review

Coastal Vacation Home Tax Appeal

Coastal vacation home owners pay property tax just like full-time residents. The appeal process for a vacation home is the same as for a primary residence. The owner files Form A-1 with the Ocean County Board of Taxation before the annual deadline and presents evidence at the hearing.

Vacation home owners often have stronger appeal cases because the property sits empty for parts of the year. An assessor may rely on peak-season rental income that does not match actual results. Provide a full income and expense report to support a lower valuation.

Vacation Home Appeal Evidence

• Annual rental income and expense statements
• Usage logs that show how many weeks the home was occupied
• Comparable sales of similar vacation homes in the same town
• Maintenance and repair receipts for the past two years

Historic Seaside House Tax Benefits

Historic seaside houses in Ocean County may qualify for property tax benefits under state preservation programs. Owners who complete approved restoration work on a listed property can apply for a reduced assessment during the work period. The benefit rewards owners for keeping the historic character of the building.

To qualify, the home must be on a state or national register of historic places. The owner submits a preservation plan, completes the work, and files the application with the assessor. The reduced assessment lasts for a set number of years and ends when the work is complete or the home is sold.

Historic Tax Benefit Process

• Confirm the home is on the state or national historic register
• Work with a preservation planner to draft a scope of work
• Complete the approved restoration according to the plan
• File the application with the assessor for the reduced assessment

Property Tax for Tidal Wetlands

Tidal wetlands on a coastal parcel may receive a reduced property tax assessment in New Jersey. The state recognizes the ecological value of marshland and limits the taxable value of protected wetlands. Owners keep the land and the tax bill drops, but the area remains subject to environmental rules.

Apply for the tidal wetlands assessment through the municipal assessor with support from a state environmental agency. The agency confirms the wetland boundary and provides a map. The assessor uses the map to set a reduced assessment for the wetland portion of the parcel.

Wetlands Assessment Steps

• Request a wetland delineation from a state environmental agency
• Obtain the official wetland boundary map for your parcel
• Submit the map and application to the municipal assessor
• Receive a new assessment with the wetland area valued at a lower rate

Tax Incentives for Sustainable Coastal Development

Tax incentives encourage Ocean County property owners to invest in sustainable coastal development. Living shorelines, rain gardens, and permeable pavement projects may qualify for credits on the property tax bill. These features reduce runoff, protect water quality, and lower the risk of flood damage.

Check with the municipal planning board for a list of approved sustainable features and the credit amounts. Some towns offer a flat credit, while others offer a percentage reduction on the improved portion of the property. Apply for the credit at the same time as any other tax exemption.

Sustainable Credit Examples

• Living shoreline projects that replace a bulkhead
• Rain gardens that capture runoff from the roof
• Permeable pavement on driveways and walkways
• Solar or wind power systems tied to the grid

Property Tax Records Access and Public Search Tools

Public access to property tax records helps owners, buyers, and researchers verify information. The Ocean County Board of Taxation website at https://tax.co.ocean.nj.us/ is the official starting point for county-level tax information. For deed records and recorded documents, contact the Ocean County Clerk’s Office during business hours. Property data and tax maps for Ocean County are also available through NJTaxMaps.com.

These resources run during regular business hours. Users can print or save results for personal records. For certified copies of tax records or deeds, contact the relevant office during posted hours and bring valid identification.

Public Record Search Tips

• Use the block and lot number for the most accurate search
• Check the clerk’s office for recent deed transfers and liens
• Save a copy of every search result for your tax files
• Contact the tax board for questions about the search results

Payment Schedules and Late Penalty Rules

Ocean County municipalities follow a quarterly property tax payment schedule set by state law. The standard New Jersey quarterly due dates fall on the first day of February, May, August, and November. Each town may add a short grace period, after which interest charges begin to accrue at the rate set by New Jersey statute.

Late payments trigger interest charges and can lead to a tax sale of the property if the balance goes unpaid. Owners who cannot pay on time should contact the municipal tax collector right away. Some towns offer payment plans that spread the past-due balance over several months.

Payment Schedule Reference

Confirm the exact grace period and interest rate with your municipal tax collector. Local rules may adjust the penalty amount or the start date of interest charges.

Tax Sale Process for Delinquent Coastal Parcels

Ocean County holds an annual tax sale for properties with unpaid taxes. The municipal tax collector publishes a list of delinquent parcels before the sale date. Investors can bid on the liens and pay the back taxes in exchange for the right to collect the amount plus interest from the owner.

Owners who face a tax sale should contact the collector as soon as possible. Paying the full balance before the sale removes the parcel from the list. Owners with financial hardship can also apply for an installment plan that prevents the sale while the balance is paid off.

Tax Sale Prevention Steps

• Pay the full balance before the published sale date
• Request an installment plan from the municipal tax collector
• File for a hardship deferment if you qualify under state rules
• Contact a housing counselor for free debt advice

Senior and Veteran Property Tax Relief Programs

Senior citizens, veterans, and disabled homeowners may qualify for property tax relief programs in New Jersey. The Senior Freeze Program reimburses eligible homeowners for property tax increases above a base year amount. The ANCHOR program offers a direct payment to offset property tax bills for renters and owners. The Stay NJ program is also available to help eligible residents reduce their property tax burden.

Veterans with a service-connected disability can apply for a property tax exemption through the municipal tax collector. The exemption amount depends on the disability rating. Surviving spouses of veterans and service members may also qualify for a reduced assessment.

Common Relief Programs

• Senior Freeze Program for homeowners age 65 and older
• ANCHOR Property Tax Relief for income-qualified residents
• Stay NJ property tax credit for eligible residents
• Veteran disability exemption for service-related injuries
• Widow or widower exemption for surviving spouses of veterans

Reassessment and Revaluation Cycles

Ocean County municipalities follow different reassessment and revaluation cycles. Some towns update property values every year, while others wait for a full revaluation. A revaluation brings every parcel to current market value at once and often shifts tax bills up or down based on local sales trends.

Homeowners can find the current cycle for their town by contacting the municipal assessor or the Ocean County Board of Taxation. The tax board posts announcements when a revaluation begins and lists the deadlines for appeals. Knowing the cycle helps owners plan an appeal at the right time.

Cycle Awareness Tips

• Ask the assessor whether the town is in a revaluation year
• Check the tax board website for the latest revaluation notices
• Gather evidence early if a revaluation is coming
• Submit the appeal before the posted deadline

Working with Tax Professionals in Ocean County

Tax professionals help coastal owners handle appeals, exemptions, and rental tax filings. A local accountant or enrolled agent knows the rules that apply to Ocean County towns. A real estate attorney can support a Tax Court filing for high-value properties.

Choose a professional with experience in New Jersey property tax matters. Ask for references and check the license status with the state board. A qualified professional can save you money, time, and stress over the life of a coastal property.

Professional Selection Checklist

• Confirm the license is current and in good standing
• Ask for experience with Ocean County tax appeals
• Request a written estimate before signing any agreement
• Keep copies of every filing and receipt the professional prepares

Contact, Local Details, and Map

For direct contact with the Ocean County Board of Taxation, use the phone number and website below. The board handles

assessment records, tax appeals, and equalization questions for every municipality in the county. Questions about property tax bills and payments should be directed to the Tax Collector of the municipality in which the property is located. For statewide tax forms and e-file resources, visit the NJ Division of Taxation at https://www.nj.gov/treasury/taxation/.

Frequently Asked Questions

Ocean Property Tax matters affect every homeowner, buyer, and investor along the Jersey shore. Knowing where to find the Board of Taxation, how rates are calculated, and which relief programs apply can save money and avoid penalties. Below are the most common queries, answered with clear steps and current contacts.

How can I look up my Ocean County property tax bill online?

Visit the Board of Taxation portal at https://ocean.njtaxboard.org. Enter the parcel ID or address, then select “Tax Bill.” The screen shows assessed value, tax rate, and due dates. If the bill does not appear, call the Board at (732) 929‑2008 for assistance. This method works for all municipalities in Ocean County, from Toms River to Long Beach Island.

What is the current general tax rate for waterfront properties in Ocean County?

The Board lists a rate of 2.17 % for the county in 2026. Waterfront parcels often carry the same base rate, but may include special coastal assessments. Check the property’s “Rate Summary” page on the portal to see any added levies for shoreline erosion or flood‑zone mitigation.

Where do I find the form to appeal a beachfront property tax assessment?

Download Form A‑1 from the Tax Board website under “Appeals.” Submit the completed form to the Board office at 118 Washington Street, Toms River, by the April 1, 2026 deadline. Include recent appraisals, photos, and a written explanation of why the assessment seems too high.

Are there tax exemptions for owners of marine docks or private piers?

Yes. The county offers a “Marine Structure” exemption that reduces taxable value by up to 15 % for qualifying docks. To claim, file a Supplemental Exemption Request through the portal before the annual assessment date. Attach proof of ownership, a site plan, and a copy of the dock permit.

How do flood‑zone adjustments impact my oceanfront home’s taxable value?

If your parcel lies in a FEMA‑designated flood zone, the Board may apply a discount of 5‑10 % to the assessed value. The adjustment appears on the tax bill under “Flood Zone Credit.” Verify your FEMA map status on the county GIS site, then request the credit through the Board’s online form.

What steps should I take after a storm damages my coastal property?

First, document damage with photos and repair estimates. Next, log in to the Tax Board portal and file a “Storm Damage Reassessment” request. Attach the documentation and submit within 30 days of the event. The Board will schedule a reassessment, which can lower your taxable value if the damage is permanent. For urgent help, call (732) 929‑2008.