197 Ludlow St, Long Branch, NJ 07740 Property Records

Monmouth County and Long Branch City property record for 197 Ludlow St, Long Branch, NJ 07740

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,144 sqft · built 2021
Lot Size	0.152 acres (6,599 sqft)
Owner	2 Individual Names on File
Tax Bill	$8,529 (2025)
Deeds & Mortgages	Sep 2020 Construction Loan
Flood Zone	Zone AE (high risk)
APN	`27-00329-0000-00011`

Property Details

APN / Parcel Number

Primary APN	`27-00329-0000-00011`
Alternative APNs	`270032900011` `54340000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Roof Material	Other
Lot Area	6,599 sqft (0.152 acres)
Lot Dimensions	132 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	1,144 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Porch
Deck Area	176 sqft
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Connected

Location & Zoning

Account Number	54340000
Street Address	197 LUDLOW ST
City	LONG BRANCH
State	NJ
Zip	07740-7220
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Block	329
Legal Lot Number	11
Jurisdiction	MONMOUTH NJ
Township / Civil Division	LONG BRANCH
Census Block Group	2
Census Block	2021
Census Tract	805500

Owner

197 Ludlow St is owned and occupied by two individuals who acquired it in July 2005.

Source: Monmouth County and Long Branch City records, as of July 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	197 LUDLOW ST, LONG BRANCH, NJ 07740-7220
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 12, 2005
Transfer Doc	0084827586
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Recording Date	Sep 25, 2020
Property Address	197 LUDLOW ST, LONG BRANCH, NJ 07740-7220
Document Number	0000109947
Book / Page	009443 / 008865
Instrument Date	Sep 4, 2020
Instrument	109947
Transaction Type	Construction Loan
Record Updated	Oct 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 LUDLOW ST LONG BRANCH NJ 077407220, LONG BRANCH, NJ 07740-7220

Mortgage

Document Number	0000109947
Date	Sep 25, 2020
Book Page	009443/008865
Instrument	109947

Lender

Name	SANDY RECOVERY DIVISION
Address	101 S BROAD ST, TRENTON, NJ 08608-2401

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 197 Ludlow St was $8,529, up 3.8% from the year before.

Source: Monmouth County and Long Branch City assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
Municipality	Long Branch City
Unified School District	Long Branch City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$594,100 (+4.48%) Land $265,300 Building $328,800	$594,100 (+4.48%) Land $265,300 Building $328,800
2025	$8,529.00 (+3.76%)	$568,600 Land $250,300 Building $318,300	$568,600 Land $250,300 Building $318,300
2024	$8,220.00
2023		$483,900 Land $190,300 Building $293,600	$483,900 Land $190,300 Building $293,600
2022	$7,202.00

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

Flood

FEMA maps place 197 Ludlow St 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 73 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	87 units insured incl. 14 condo units
Nearby Flood Claims	204 (1983–2026)
Claims Outside the SFHA	45 of 204
Most Recent Claim	Jul 2026 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 115 claims Hurricane Irene, Aug 2011 · 5 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 42 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 197 Ludlow St 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	NJ AMERICAN WATER - COASTAL NORTH private · serves 377,613 people · EPA ID NJ1345001
Water Source	Surface water
Last State Inspection	Sep 2023
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Sep 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 536 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250