Monmouth County and Spring Lake Borough property record for 220 Ludlow Ave, Spring Lake, NJ 07762
| Property Type | Vacant Land |
|---|---|
| Details | 4 bd · 1.5 ba · 1,860 sqft · built 1920 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $5,500,000 (Dec 2025) |
| Tax Bill | $10,474 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit Dec 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 47-00118-0000-00012 |
| Primary APN | 47-00118-0000-00012 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,860 sqft Living Area |
| 1st Floor Area | 1,002 sqft |
| Upper Floors Area | 858 sqft |
| Basement Area | 858 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 7,492 sqft (0.172 acres) |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Sewer | Connected |
|---|
| Street Address | 220 LUDLOW AVE |
|---|---|
| City | SPRING LAKE |
| State | NJ |
| Zip | 07762-1550 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Local Zoning Code | SF10 |
| Legal Block | 118 |
| Legal Lot Number | 12 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 2 |
| Census Block | 2033 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 7 FENWICK PL, BASKING RIDGE, NJ 07920-2651 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 8, 2022 | Deed of Trust, Mortgage · Line of Credit MANASQUAN BANK |
| Dec 11, 2025 | Deed, Transfer · Conventional Mortgage CORNERSTONE FIRST MORTGAGE INC |
| Oct 18, 2023 | Deed, Transfer STERLING TITLE AGENCY, STERLING TITLE AGENCY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 11, 2025 · Amount on Record |
| Deed Sale | Dec 11, 2025 · Amount on Record |
| Prior Sale | Oct 18, 2023 · Amount on Record |
| Deed Document Number | 202598915 |
| Deed Book / Page | 9769 / 9344 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 220 LUDLOW AVE, SPRING LAKE, NJ 07762-1550 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 220 LUDLOW AVE, SPRING LAKE, NJ 07762-1550 |
| Document Number | 0096269032 |
|---|---|
| Date | Dec 8, 2022 |
| Book Page | 9626/9032 |
| Instrument | 2022117446 |
| Name | MANASQUAN BANK |
|---|---|
| Type | Bank |
| Address | MANASQUAN, NJ 08736 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Nov 23, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Dec 11, 2025 |
| Property Address | 220 LUDLOW AVE, SPRING LAKE, NJ 07762-1550 |
| Document Number | 0097699344 |
| Book / Page | 9769 / 9344 |
| Instrument Date | Nov 19, 2025 |
| Instrument | 2025098915 |
| Transaction Type | Transfer |
| Record Updated | Jan 8, 2026 |
| Title Company | ANGEL TITLE AND ABSTRACT INC, ANGEL TITLE & ABSTRACT INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 259 PROSPECT PLAINS RD, MONROE, NJ 08831-3820 |
| Name | Verified Name |
|---|---|
| Address | 7 FENWICK PL, BASKING RIDGE, NJ 07920-2651 |
| Document Number | 2025098916 |
|---|---|
| Date | Dec 11, 2025 |
| Instrument | 2025098916 |
| Name | CORNERSTONE FIRST MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Oct 18, 2023 |
| Property Address | 220 LUDLOW AVE, SPRING LAKE, NJ 07762-1550 |
| Document Number | 0096641046 |
| Book / Page | 9664 / 1046 |
| Instrument Date | Aug 24, 2023 |
| Instrument | 2023072710 |
| Transaction Type | Transfer |
| Record Updated | Nov 13, 2023 |
| Title Company | STERLING TITLE AGENCY, STERLING TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $51,620.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 220 LUDLOW AVE, SPRING LAKE, NJ 07762-1550 |
| Name | Verified Name |
|---|---|
| Address | 2 CLARKE DR, CRANBURY, NJ 08512-3619 |
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 | $2,449,400 (+6.87%) Land $2,449,400 | $2,449,400 (+6.87%) Land $2,449,400 | |
| 2025 | $10,474.00 (-10.76%) | $2,291,900 (-1.36%) Land $2,291,900 | $2,291,900 (-1.36%) Land $2,291,900 |
| 2024 | $11,737.00 (+10.34%) | ||
| 2023 | $2,323,500 (+10.33%) Land $2,076,900 Building $246,600 | $2,323,500 (+10.33%) Land $2,076,900 Building $246,600 | |
| 2022 | $10,637.00 (+17.78%) Veteran's exemption | $2,105,900 Land $1,871,100 Building $234,800 | $2,105,900 Land $1,871,100 Building $234,800 |
| 2021 | $9,031.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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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