104 2nd Ave, Spring Lake, NJ 07762 Property Records

Monmouth County and Spring Lake Borough property record for 104 2nd Ave, Spring Lake, NJ 07762

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,140 sqft · built 2002
Lot Size	0.172 acres (7,501 sqft)
Owner	Individual Name on File
Last Sale	$1,960,000 (Dec 2005)
Tax Bill	$16,283 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Apr 2021 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`47-00010-0000-00013-01`

Property Details

APN / Parcel Number

Primary APN	`47-00010-0000-00013-01`
Alternative APN	`47000100000000130001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,140 sqft Living Area
1st Floor Area	1,634 sqft
Upper Floors Area	1,506 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Other
Lot Area	7,501 sqft (0.172 acres)
Lot Dimensions	125 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Patio Area	520 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	104 2ND AVE
City	SPRING LAKE
State	NJ
Zip	07762-1008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	E23
Legal Block	10
Legal Lot Number	13.1
Jurisdiction	MONMOUTH NJ
Township / Civil Division	SPRING LAKE
Census Block Group	3
Census Block	3039
Census Tract	809100

Owner

104 2nd Ave is owned and occupied by an individual who bought it in December 2005.

Source: Monmouth County and Spring Lake Borough records, as of July 9, 2026

Owner of Record	Individual Name on File
Mailing Address	104 2ND AVE, SPRING LAKE, NJ 07762-1008
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
Mar 17, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Apr 14, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Jan 10, 2020	Deed of Trust, Mortgage BETHPAGE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2005 · Amount on File
Deed Sale	Dec 14, 2005 · Amount on File
Prior Sale	Jan 15, 2002 · Amount on File
Deed Book / Page	8525 / 1402
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	104 2ND AVE, SPRING LAKE, NJ 07762-1008
Transaction Type	Mortgage
Record Updated	Apr 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 2ND AVE, SPRING LAKE, NJ 07762-1008

Mortgage

Document Number	0096376827
Date	Mar 17, 2023
Book Page	9637/6827
Instrument	2023018598

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Mar 7, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	104 2ND AVE, SPRING LAKE, NJ 07762-1008
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0095014849
Date	Apr 14, 2021
Book Page	9501/4849
Instrument	2021060549

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Mar 29, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	104 2ND AVE, SPRING LAKE, NJ 07762-1008
Document Number	0000010904
Instrument Date	Jan 10, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2020
Title Company	SIGNATURE CLOSING SERVICES LLC, SIGNATURE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 2ND AVE SPRING LAKE NJ 077621008, SPRING LAKE, NJ 07762-1008

Mortgage

Document Number	0000010904
Date	Jan 29, 2020
Book Page	009393/009779
Instrument	10904

Lender

Name	BETHPAGE FCU
Type	Credit Union
Address	PO BOX 2063, GLEN BURNIE, MD 21060-2063

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 28, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.75%

Tax Assessment & Valuation

The 2025 property tax bill for 104 2nd Ave was $16,283, up 14.7% from the year before.

Source: Monmouth County and Spring Lake Borough assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
Municipality	Spring Lake Borough
Unified School District	Spring Lake Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$3,800,500 (+6.67%) Land $2,661,900 Building $1,138,600	$3,800,500 (+6.67%) Land $2,661,900 Building $1,138,600
2025	$16,283.00 (+14.75%)	$3,563,000 Land $2,471,900 Building $1,091,100	$3,563,000 Land $2,471,900 Building $1,091,100
2024	$14,190.00
2023		$2,708,000 Land $1,961,500 Building $746,500	$2,708,000 Land $1,961,500 Building $746,500
2022	$12,938.00

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

Flood

FEMA maps place 104 2nd Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · 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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 227 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	421 units insured incl. 194 condo units
Nearby Flood Claims	440 (1979–2025)
Claims Outside the SFHA	142 of 440
Most Recent Claim	Jul 2025 · rainfall accumulation
Claims by Event	Hurricane Sandy, Nov 2012 · 153 claims Hurricane Irene, Aug 2011 · 103 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 51 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

The area around 104 2nd Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPRING LAKE WATER DEPARTMENT serves 11,270 people · EPA ID NJ1348001
Water Source	Purchased surface water from NJ WATER SUPPLY AUTHORITY MANASQUAN
Last State Inspection	Jan 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 343 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

Nearby Properties on 2nd Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures