1280 Spruce St, Forked River, NJ 08731 Property Records

Ocean County and Lacey Township property record for 1280 Spruce St, Forked River, NJ 08731

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,349 sqft · built 1992
Lot Size	0.115 acres (5,001 sqft)
Owner	Individual Name on File
Last Sale	$420,000 (Mar 2023)
Tax Bill	$5,932 (2025)
Deeds & Mortgages	May 2026 Mortgage Oct 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-01142-0000-00017`

Property Details

APN / Parcel Number

Primary APN	`13-01142-0000-00017`
Alternative APNs	`130114200017` `00067492`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,349 sqft Living Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Colonial
Construction Type	Frame
Roof Type	Gable
Roof Material	Asbestos
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	00067492
Street Address	1280 SPRUCE ST
City	FORKED RIVER
State	NJ
Zip	08731-4543
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-75
Legal Description	50 X 100 18
Legal Subdivision	BAY PINES ESTATES
Legal Block	1142
Legal Lot Number	17
Jurisdiction	OCEAN NJ
Township / Civil Division	LACEY
Census Block Group	1
Census Block	1026
Census Tract	732004

Owner

1280 Spruce St is owned and occupied by an individual who acquired it in July 2025.

Source: Ocean County and Lacey Township records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	1280 SPRUCE ST, FORKED RIVER, NJ 08731-4543
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
May 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 27, 2025	Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROUP
Aug 14, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2023 · Amount on File
Deed Sale	Mar 24, 2023 · Amount on File
Prior Sale	Jun 7, 1991 · Amount on File
Deed Document Number	202322459
Deed Book / Page	19334 / 67
Last Transfer Date	Jul 21, 2025
Transfer Doc	0201020609
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Recording Date	May 28, 2026
Property Address	1280 SPRUCE ST, FORKED RIVER, NJ 08731-4543
Document Number	0000041720
Book / Page	20386 / 826
Instrument Date	May 21, 2026
Instrument	202641720
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ROCKET CLOSE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1280 SPRUCE ST, FORKED RIVER, NJ 08731-4543

Mortgage

Document Number	0000041720,
Date	May 28, 2026
Book Page	20386/826
Instrument	202641720

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEAN NJ
Property Address	1280 SPRUCE ST, FORKED RIVER, NJ 08731-4543
Transaction Type	Mortgage
Record Updated	Nov 11, 2025
Title Company	SURE TITLE AGENCY, SURETY TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1280 SPRUCE ST, FORKED RIVER, NJ 08731-4543
Investor	Possibly a Property Investor

Mortgage

Document Number	0201761407
Date	Oct 27, 2025
Book Page	20176/1407
Instrument	2025084909

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROUP
Type	Mortgage Company
Address	CORONA, CA 92879

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Aug 1, 2055

August 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OCEAN NJ
Recording Date	Aug 14, 2025
Property Address	1280 SPRUCE ST, FORKED RIVER, NJ 08731-4543
Document Number	0201020609
Book / Page	20102 / 609
Instrument Date	Jul 21, 2025
Instrument	2025063181
Transaction Type	Transfer
Record Updated	Nov 6, 2025
Title Company	SURETY TITLE AGENCY COASTAL RE, SURETY TITLE AGENCY COASTAL

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1280 SPRUCE ST, FORKED RIVER, NJ 08731-4543

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1280 SPRUCE ST, FORKED RIVER, NJ 08731-4543
Investor	Possibly a Property Investor

Mortgage

Document Number	2025063182
Date	Aug 14, 2025
Instrument	2025063182

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 1280 Spruce St was $5,932, up 7.9% from the year before.

Source: Ocean County and Lacey Township assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Ocean County
County Subdivision	Lacey Township
Unified School District	Lacey Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$216,900 (-) Land $60,300 Building $156,600	$216,900 (-) Land $60,300 Building $156,600
2025	$5,932.00 (+7.93%)	$216,900 Land $60,300 Building $156,600	$216,900 Land $60,300 Building $156,600
2024	$5,496.00
2023		$179,700 (+2.33%) Land $60,300 Building $119,400	$179,700 (+2.33%) Land $60,300 Building $119,400
2022	$4,066.00	$175,600 Land $60,300 Building $115,300	$175,600 Land $60,300 Building $115,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1280 Spruce St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 16, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 17 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	3 (2012–2024)
Most Recent Claim	Apr 2024 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 2 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

Wildfire risk around 1280 Spruce St is high, ranking above 74% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 74% of the US · above 86% of New Jersey
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	LACEY TWP MUA serves 29,000 people · EPA ID NJ1512001
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2023
Monitoring and Reporting	3 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 374 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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