Monmouth County and Spring Lake Borough property record for 203 Ludlow Ave, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3 ba · 3,288 sqft · built 1932 |
| Lot Size | 0.258 acres (11,252 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $450,000 (Feb 1997) |
| Tax Bill | $18,380 (2025) |
| Deeds & Mortgages | Sep 2021 Line of Credit Sep 2021 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 47-00111-0000-00003 |
| Primary APN | 47-00111-0000-00003 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,288 sqft Living Area |
| 1st Floor Area | 1,296 sqft |
| Upper Floors Area | 936 sqft |
| Basement Area | 936 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1932 |
|---|---|
| Effective Year Built | Effective 1932 |
| Architectural Style | Colonial |
| Exterior Material | Asbestos |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 11,252 sqft (0.258 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 234 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Sewer | Connected |
| Old Parcel Number | 470011100000000201 |
|---|---|
| Street Address | 203 LUDLOW AVE |
| City | SPRING LAKE |
| State | NJ |
| Zip | 07762-1549 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | LUDLOW TR |
| Legal Block | 111 |
| Legal Lot Number | 3 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 2 |
| Census Block | 2034 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 73 COBANE TER, WEST ORANGE, NJ 07052-3932 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 3, 2021 | Deed of Trust, Mortgage · Line of Credit INVESTORS BANK |
| Sep 20, 2021 | Intrafamily Transfer, Transfer |
| Jul 26, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Jun 13, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 13, 1997 · Amount on Record |
| Deed Sale | Feb 13, 1997 · Amount on Record |
| Deed Book / Page | 5575 / 542 |
| Last Transfer Date | Sep 14, 2021 |
| Transfer Doc | 0095447161 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 203 LUDLOW AVE, SPRING LAKE, NJ 07762-1549 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2021 |
| Title Company | CORPORATE SETTLEMENTS, CORPORATE SETTLEMENT SLN |
| Name | Verified Name |
|---|
| Document Number | 0095408683 |
|---|---|
| Date | Sep 3, 2021 |
| Book Page | 9540/8683 |
| Instrument | 2021133646 |
| Name | INVESTORS BANK |
|---|---|
| Type | Bank |
| Address | ISELIN, NJ 08830 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 10, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Sep 20, 2021 |
| Property Address | 203 LUDLOW AVE, SPRING LAKE, NJ 07762-1549 |
| Document Number | 0095447161 |
| Book / Page | 9544 / 7161 |
| Instrument Date | Sep 14, 2021 |
| Instrument | 2021140820 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 73 COBANE TER, WEST ORANGE, NJ 07052-3932 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jul 26, 2019 |
| Property Address | 203 LUDLOW AVE, SPRING LAKE, NJ 07762-1549 |
| Document Number | 0000067318 |
| Book / Page | 009359 / 008709 |
| Instrument Date | Jun 6, 2019 |
| Instrument | 67318 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 73 COBANE TER WEST ORANGE NJ 070523932, WEST ORANGE, NJ 07052-3932 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jun 13, 2019 |
| Property Address | 203 LUDLOW AVE, SPRING LAKE, NJ 07762-1549 |
| Document Number | 0000052111 |
| Book / Page | 009352 / 008648 |
| Instrument Date | Jun 5, 2019 |
| Instrument | 52111 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 73 COBANE TER WEST ORANGE NJ 070523932, WEST ORANGE, NJ 07052-3932 |
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 | $4,244,100 (+5.53%) Land $3,107,300 Building $1,136,800 | $4,244,100 (+5.53%) Land $3,107,300 Building $1,136,800 | |
| 2025 | $18,380.00 (+17.11%) | $4,021,800 (+28.87%) Land $2,932,300 Building $1,089,500 | $4,021,800 (+28.87%) Land $2,932,300 Building $1,089,500 |
| 2024 | $15,695.00 (+7.16%) | ||
| 2023 | $3,120,700 Land $2,693,500 Building $427,200 | $3,120,700 Land $2,693,500 Building $427,200 | |
| 2022 | $14,647.00 |
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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