209 Saint Clair Ave, Spring Lake, NJ 07762 Property Records

Monmouth County and Spring Lake Borough property record for 209 Saint Clair Ave, Spring Lake, NJ 07762

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 5,071 sqft · built 2004
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on Record
Last Sale	$4,150,000 (Jun 2015)
Tax Bill	$26,596 (2025)
Deeds & Mortgages	Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`47-00098-0000-00004`

Property Details

APN / Parcel Number

Primary APN	`47-00098-0000-00004`
Alternative APN	`470009800004`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	5,071 sqft Living Area
1st Floor Area	3,274 sqft
Upper Floors Area	2,084 sqft
Basement Area	2,492 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Roof Material	Other
Lot Area	14,985 sqft (0.344 acres)
Garage Type	Built-in
Garage Area	756 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Deck Area	406 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Connected

Location & Zoning

Street Address	209 SAINT CLAIR AVE
City	SPRING LAKE
State	NJ
Zip	07762-1525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF10
Legal Description	INCL BLK 98 LOTS 4 & 5
Legal Subdivision	BOROUGH/SPGS LAKE
Legal Block	98
Legal Lot Number	4
Jurisdiction	MONMOUTH NJ
Township / Civil Division	SPRING LAKE
Census Block Group	2
Census Block	2038
Census Tract	809100

Owner

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	2 Individual Names on Record
Mailing Address	209 SAINT CLAIR AVE, SPRING LAKE, NJ 07762-1525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2015 · Amount on Record
Deed Sale	Jun 4, 2015 · Amount on Record
Prior Sale	Nov 1, 2006 · Amount on Record
Deed Document Number	201550015
Deed Book / Page	9116
Prior Transfer Date	Aug 9, 2010
Prior Transfer Doc	0088446665
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	209 SAINT CLAIR AVE, SPRING LAKE, NJ 07762-1525
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	MORTGAGE CONNECT LP, MORTGAGE CONNECT LP VENDOR

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0095464568
Date	Sep 27, 2021
Book Page	9546/4568
Instrument	2021143870

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.12%
Type Change Date	Oct 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.12%
Index	Other
Max Rate	7.12%

Tax Assessment & Valuation

Source: Monmouth County and Spring Lake Borough assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
Municipality	Spring Lake Borough
Unified School District	Spring Lake Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$6,103,500 (+4.88%) Land $3,493,000 Building $2,610,500	$6,103,500 (+4.88%) Land $3,493,000 Building $2,610,500
2025	$26,596.00 (-0.85%)	$5,819,700 (+8.73%) Land $3,318,000 Building $2,501,700	$5,819,700 (+8.73%) Land $3,318,000 Building $2,501,700
2024	$26,825.00 (+5.06%)
2023		$5,352,500 Land $3,079,200 Building $2,273,300	$5,352,500 Land $3,079,200 Building $2,273,300
2022	$25,532.00

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

Flood

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	Hurricane Sandy, Oct 2012 · 25 claims Hurricane Irene, Aug 2011 · 2 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 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

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	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

Violations Reported to EPA

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.

Internet Providers

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