Monmouth County and Spring Lake Heights Borough property record for 23 Willow Ln, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,539 sqft · built 1984 |
| Lot Size | 0.011 acres (492 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $437,500 (May 2020) |
| Tax Bill | $7,521 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage May 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-00042-08-00042 |
| Primary APN | 48-00042-08-00042 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,539 sqft Living Area |
| 1st Floor Area | 741 sqft |
| Upper Floors Area | 798 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 492 sqft (0.011 acres) |
| Garage Type | Attached |
| Garage Area | 275 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 228 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 10060 |
|---|---|
| Street Address | 23 WILLOW LN |
| City | SPRING LAKE |
| State | NJ |
| Zip | 07762-2196 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | FAIRWAY MEWS UNIT 3-33 NIT 1A |
| Legal Subdivision | FAIRWAY MEWS PH 06 SEC 02 |
| Legal Block | 42.8 |
| Legal Lot Number | 42 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | SPRING LAKE HEIGHTS |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 808901 |
23 Willow Ln is owned and occupied by two individuals who bought it in May 2020.
Source: Monmouth County and Spring Lake Heights Borough records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 23 WILLOW LN, SPRING LAKE, NJ 07762-2196 |
| 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.
| Date | Document |
|---|---|
| Apr 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| May 8, 2020 | Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 8, 2020 · Amount on File |
| Deed Sale | May 8, 2020 · Amount on File |
| Deed Document Number | 202048675 |
| Deed Book / Page | 9412 / 8285 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 23 WILLOW LN, SPRING LAKE, NJ 07762-2196 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0094981000 |
|---|---|
| Date | Apr 6, 2021 |
| Book Page | 9498/1000 |
| Instrument | 2021054469 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | May 8, 2020 |
| Property Address | 23 WILLOW LN, SPRING LAKE, NJ 07762-2196 |
| Document Number | 0000048675 |
| Book / Page | 009412 / 008285 |
| Instrument Date | Apr 27, 2020 |
| Instrument | 48675 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2020 |
| Title Company | ABCO/NORTHAMPTON LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $438.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 23 WILLOW LN SPRING LAKE NJ 077622196, SPRING LAKE, NJ 07762-2196 |
| Document Number | 48676 |
|---|---|
| Date | May 8, 2020 |
| Book Page | 009412/008316 |
| Instrument | 48676 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 7, 2050 |
The 2025 property tax bill for 23 Willow Ln was $7,521, up 9.8% from the year before.
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 | $820,300 (+11.68%) Land $634,200 Building $186,100 | $820,300 (+11.68%) Land $634,200 Building $186,100 | |
| 2025 | $7,521.00 (+9.84%) | $734,500 Land $550,000 Building $184,500 | $734,500 Land $550,000 Building $184,500 |
| 2024 | $6,847.00 | ||
| 2023 | $561,800 Land $385,000 Building $176,800 | $561,800 Land $385,000 Building $176,800 | |
| 2022 | $5,918.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 23 Willow Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.
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 File 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.
Wildfire risk around 23 Willow Ln is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 92% of New Jersey |
|---|---|
| Wildfire Likelihood | 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 | 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 303 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 |
| AT&T Fixed Wireless | 100 / 20 |
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