1282 Spruce St, Forked River, NJ 08731 Property Records

Ocean County and Lacey Township property record for 1282 Spruce St, Forked River, NJ 08731

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,503 sqft · built 2000
Lot Size	0.2 acres (8,699 sqft)
Owner	2 Individual Names on File
Last Sale	$460,000 (Jun 2023)
Tax Bill	$6,375 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jun 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-01142-0000-00014`

Property Details

APN / Parcel Number

Primary APN	`13-01142-0000-00014`
Alternative APNs	`130114200014` `00067484`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,503 sqft Living Area
1st Floor Area	1,503 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asbestos
Lot Area	8,699 sqft (0.2 acres)
Lot Dimensions	100 ft deep x 87 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	00067484
Street Address	1282 SPRUCE ST
City	FORKED RIVER
State	NJ
Zip	08731-4543
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R75
Legal Description	87 X 100 15,16
Legal Subdivision	BAY-PINES ESTATES
Legal Block	1142
Legal Lot Number	14
Jurisdiction	OCEAN NJ
Township / Civil Division	LACEY
Census Block Group	1
Census Block	1026
Census Tract	732004

Owner

1282 Spruce St is owned and occupied by two individuals who bought it in June 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	1282 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
Jun 30, 2023	Deed, Transfer · FHA Mortgage THE FEDERAL SAVINGS BANK
Jun 15, 2020	Quit Claim Deed, Transfer AMERICAN LAND TITLE ASSOCIATION, AMERICAN LAND TITLE ASSN
Aug 13, 2018	Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MORTGAGE
Apr 24, 2018	Grant Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2023 · Amount on File
Deed Sale	Jun 30, 2023 · Amount on File
Prior Sale	Aug 13, 2018 · Amount on File
Deed Document Number	202348830
Deed Book / Page	19419 / 223
Prior Transfer Date	Jun 5, 2020
Prior Transfer Doc	0179241054
Record Updated	Oct 29, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	OCEAN NJ
Recording Date	Jun 30, 2023
Property Address	1282 SPRUCE ST, FORKED RIVER, NJ 08731-4543
Document Number	0194190223
Book / Page	19419 / 223
Instrument Date	Jun 21, 2023
Instrument	2023048830
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	CATIC TITLE INSURANCE COMPANY, CATIC TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,791.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	30914 OAK FOREST HOLLOW LN, SPRING, TX 77386-3144

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1282 SPRUCE ST, FORKED RIVER, NJ 08731-4543
Investor	Possibly a Property Investor

Mortgage

Document Number	2023048831
Date	Jun 30, 2023
Instrument	2023048831

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OCEAN NJ
Recording Date	Jun 15, 2020
Property Address	1282 SPRUCE ST, FORKED RIVER, NJ 08731-4543
Document Number	0179241054
Book / Page	017924 / 001054
Instrument Date	Jun 5, 2020
Instrument	60290
Transaction Type	Transfer
Record Updated	Aug 10, 2020
Title Company	AMERICAN LAND TITLE ASSOCIATION, AMERICAN LAND TITLE ASSN

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1282 SPRUCE ST FORKED RIVER NJ 087314543, FORKED RIVER, NJ 08731-4543

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	OCEAN NJ
Recording Date	Aug 13, 2018
Property Address	1282 SPRUCE ST, FORKED RIVER, NJ 08731-4543
Document Number	0172060456
Book / Page	17206 / 456
Map Reference	MAP B-24
Instrument Date	Aug 3, 2018
Instrument	2018079212
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,512.20
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	834 LEEWARD DR, 834, FORKED RIVER, NJ 08731-3001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1282 SPRUCE ST, FORKED RIVER, NJ 08731-4543

Mortgage

Document Number	2018079213
Date	Aug 13, 2018
Instrument	2018079213

Lender

Name	AMERICAN NEIGHBORHOOD MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OCEAN NJ
Recording Date	Apr 24, 2018
Property Address	1282 SPRUCE ST, FORKED RIVER, NJ 08731-4543
Document Number	0170920557
Book / Page	017092 / 000557
Instrument Date	Apr 12, 2018
Instrument	38835
Transaction Type	Transfer
Record Updated	May 14, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Tax	$150.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	834 LEEWARD DR FORKED RIVER NJ 087313001, FORKED RIVER, NJ 08731-3001

Tax Assessment & Valuation

The 2025 property tax bill for 1282 Spruce St was $6,375, 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		$233,100 (-) Land $82,000 Building $151,100	$233,100 (-) Land $82,000 Building $151,100
2025	$6,375.00 (+7.94%)	$233,100 Land $82,000 Building $151,100	$233,100 Land $82,000 Building $151,100
2024	$5,906.00
2023		$222,200 (-) Land $82,000 Building $140,200	$222,200 (-) Land $82,000 Building $140,200
2022	$5,028.00	$222,200 Land $82,000 Building $140,200	$222,200 Land $82,000 Building $140,200

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 1282 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 1282 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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