Monmouth County and Spring Lake Borough property record for 120 Ludlow Ave, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 6,515 sqft · built 1915 |
| Lot Size | 0.517 acres (22,499 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $3,195,000 (Oct 2020) |
| Tax Bill | $34,801 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Oct 2020 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 47-00119-0000-00012 |
| Primary APN | 47-00119-0000-00012 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 15 Rooms |
| Stories | 2 Stories |
| Building Area | 6,515 sqft Living Area |
| 1st Floor Area | 3,535 sqft |
| Upper Floors Area | 2,096 sqft |
| Basement Area | 3,323 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 22,499 sqft (0.517 acres) |
| Lot Dimensions | 150 ft deep x 150 ft wide |
| Terrain | High |
| Garage Area | 670 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 648 sqft |
|---|---|
| Porch | Open Porch |
| Deck Area | 1,121 sqft |
| Patio Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 120 LUDLOW AVE |
|---|---|
| City | SPRING LAKE |
| State | NJ |
| Zip | 07762-1548 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF10 |
| Legal Description | INCL BLK 119 LOTS 12 - 14 |
| Legal Subdivision | LUDLOW TRACT/NORTH BRIGHTON |
| Legal Block | 119 |
| Legal Lot Number | 12 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 809100 |
Source: Monmouth County and Spring Lake Borough records, as of July 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 120 LUDLOW AVE, SPRING LAKE, NJ 07762-1548 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK |
| Oct 23, 2020 | Grant Deed, Transfer ATTORNEY ONLY |
| Oct 23, 2020 | Grant Deed, Transfer QUAL2009 PERSONAL RES TR (PT) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2020 · Amount on Record |
| Deed Sale | Oct 23, 2020 · Amount on Record |
| Prior Sale | Oct 23, 2020 · Amount on Record |
| Deed Document Number | 2020124672 |
| Deed Book / Page | 9451 / 7418 |
| Prior Transfer Date | Dec 28, 2009 |
| Prior Transfer Doc | 0088136130 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 120 LUDLOW AVE, SPRING LAKE, NJ 07762-1548 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0095169132 |
|---|---|
| Date | Jun 3, 2021 |
| Book Page | 9516/9132 |
| Instrument | 2021088280 |
| Name | FIRST REPUBLIC BANK |
|---|---|
| Type | Bank |
| Address | SAN FRANCISCO, CA 94111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.5% |
| Type Change Date | Jul 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 2.95% |
| Max Rate At Change | 10.9% |
| Index | 1-Year CMT |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Oct 23, 2020 |
| Property Address | 120 LUDLOW AVE, SPRING LAKE, NJ 07762-1548 |
| Document Number | 0000124672 |
| Book / Page | 009451 / 007418 |
| Instrument Date | Oct 14, 2020 |
| Instrument | 124672 |
| Transaction Type | Transfer |
| Record Updated | Nov 13, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,195.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 120 LUDLOW AVE SPRING LAKE NJ 077621548, SPRING LAKE, NJ 07762-1548 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Oct 23, 2020 |
| Property Address | 120 LUDLOW AVE, SPRING LAKE, NJ 07762-1548 |
| Document Number | 0000124671 |
| Book / Page | 009451 / 007372 |
| Instrument Date | Oct 14, 2020 |
| Instrument | 124671 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2020 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,195.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 120 LUDLOW AVE SPRING LAKE NJ 077621548, SPRING LAKE, NJ 07762-1548 |
| Document Number | 124673 |
|---|---|
| Date | Oct 23, 2020 |
| Book Page | 009451/007464 |
| Instrument | 124673 |
| Name | QUAL2009 PERSONAL RES TR (PT) |
|---|---|
| Address | 1821 CELESTE DR, WALL TOWNSHIP, NJ 07719-9506 |
| Amount | Amount Recorded |
|---|---|
| Term | 36 Months |
| Due | Oct 22, 2023 |
Source: Monmouth County and Spring Lake Borough assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| Municipality | Spring Lake Borough |
| Unified School District | Spring Lake Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,117,200 (+6.59%) Land $5,668,000 Building $2,449,200 | $8,117,200 (+6.59%) Land $5,668,000 Building $2,449,200 | |
| 2025 | $34,801.00 (-0.14%) | $7,615,200 (+12.77%) Land $5,268,000 Building $2,347,200 | $7,615,200 (+12.77%) Land $5,268,000 Building $2,347,200 |
| 2024 | $34,851.00 (+9.51%) | ||
| 2023 | $6,752,800 Land $4,620,000 Building $2,132,800 | $6,752,800 Land $4,620,000 Building $2,132,800 | |
| 2022 | $31,825.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 111 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 111 in force |
| Nearby Flood Claims | 41 (1992–2021) |
| Claims Outside the SFHA | 16 of 41 |
| Most Recent Claim | Jul 2021 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 94% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 463 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 |
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