Monmouth County and Spring Lake Heights Borough property record for 2 Spruce Ln, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,104 sqft · built 1978 |
| Lot Size | 0.037 acres (1,605 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $535,000 (Jun 2021) |
| Tax Bill | $7,458 (2025) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage Jun 2019 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-00042-03-00098 |
| Primary APN | 48-00042-03-00098 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,104 sqft Living Area |
| 1st Floor Area | 564 sqft |
| Upper Floors Area | 540 sqft |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 1,605 sqft (0.037 acres) |
| Garage Type | Detached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Deck Area | 108 sqft |
| Patio Area | 108 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 07440 |
|---|---|
| Street Address | 2 SPRUCE LN |
| City | SPRING LAKE |
| State | NJ |
| Zip | 07762-2116 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | ADDITIONAL LOTS: 98.01 |
| Legal Subdivision | FAIRWAY MEWS BLDG 22 |
| Legal Block | 42.3 |
| Legal Lot Number | 98 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | SPRING LAKE HEIGHTS |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 808901 |
Source: Monmouth County and Spring Lake Heights 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 | 2 SPRUCE LN, SPRING LAKE, NJ 07762-2116 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 29, 2021 | Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Jun 13, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 2021 · Amount on Record |
| Deed Sale | Jun 29, 2021 · Amount on Record |
| Prior Sale | Oct 27, 2009 · Amount on Record |
| Deed Document Number | 2021101126 |
| Deed Book / Page | 9523 / 6553 |
| Prior Transfer Date | Jun 11, 2019 |
| Prior Transfer Doc | 0000052298 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jun 29, 2021 |
| Property Address | 2 SPRUCE LN, SPRING LAKE, NJ 07762-2116 |
| Document Number | 0095236553 |
| Book / Page | 9523 / 6553 |
| Map Reference | MB 4504 PG 358 |
| Instrument Date | Jun 22, 2021 |
| Instrument | 2021101126 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2021 |
| Title Company | ACRES LAND TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,511.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8 CLUB PL, 8, FREEHOLD, NJ 07728-1909 |
| Name | Verified Name |
|---|
| Document Number | 2021101127 |
|---|---|
| Date | Jun 29, 2021 |
| Instrument | 2021101127 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 1, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jun 13, 2019 |
| Property Address | 2 SPRUCE LN, SPRING LAKE, NJ 07762-2116 |
| Document Number | 0000052298 |
| Book / Page | 009352 / 009648 |
| Instrument Date | Jun 11, 2019 |
| Instrument | 52298 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8 CLUB PL FREEHOLD NJ 077281909, FREEHOLD, NJ 07728-1909 |
Source: Monmouth County and Spring Lake Heights Borough assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| Municipality | Spring Lake Heights Borough |
| Unified School District | Spring Lake Heights Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $830,100 (+13.98%) Land $626,100 Building $204,000 | $830,100 (+13.98%) Land $626,100 Building $204,000 | |
| 2025 | $7,458.00 (+5%) | $728,300 (+22.65%) Land $526,100 Building $202,200 | $728,300 (+22.65%) Land $526,100 Building $202,200 |
| 2024 | $7,103.00 (+5.84%) | ||
| 2023 | $593,800 Land $400,000 Building $193,800 | $593,800 Land $400,000 Building $193,800 | |
| 2022 | $6,711.00 |
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 24 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 1 (2012) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
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 99.8% of the US · lower than 99.5% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | BOROUGH OF SPRINGLAKE HEIGHTS serves 5,000 people · EPA ID NJ1349001 |
|---|---|
| Water Source | Purchased surface water from NJ WATER SUPPLY AUTHORITY MANASQUAN |
| Last State Inspection | Aug 2025 |
| Lead | 3 ppb (2023–2025) 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 473 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 | 2,300 / 2,300 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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