309 E Spencer Ln, Galloway (Absecon), NJ 08205 Property Records

Atlantic County and Galloway Township property record for 309 E Spencer Ln, Galloway, NJ 08205

Property Summary

Property Type	Single Family Home
Details	2,556 sqft · built 2001
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Oct 2021)
Tax Bill	$11,407 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Oct 2021 Sale
APN	`11-00988-01-00028-06`

Property Details

APN / Parcel Number

Primary APN	`11-00988-01-00028-06`
Alternative APN	`11009880001000280006`

Interior

Stories	1 Story
Building Area	2,556 sqft Living Area
1st Floor Area	2,556 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Ranch
Lot Area	87,120 sqft
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	309 E SPENCER LN
City	GALLOWAY
State	NJ
Zip	08205-3257
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR
Legal Block	988.1
Legal Lot Number	28.6
Jurisdiction	ATLANTIC NJ
Township / Civil Division	GALLOWAY
Census Block Group	2
Census Block	2000
Census Tract	10503

Owner

Source: Atlantic County and Galloway Township 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	309 E SPENCER LN, GALLOWAY, NJ 08205-3257
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2022	Deed of Trust, Mortgage · Line of Credit FIRST ATLANTIC FCU
Oct 26, 2021	Bargain and Sale Deed, Transfer PEGASUS TITLE AGENCY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2021 · Amount on Record
Deed Sale	Oct 26, 2021 · Amount on Record
Prior Sale	Feb 10, 2011 · Amount on Record
Deed Document Number	202163092
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ATLANTIC NJ
Property Address	309 E SPENCER LN, GALLOWAY, NJ 08205-3257
Transaction Type	Mortgage
Record Updated	Oct 9, 2025
Title Company	SOURCEPOINT FULFILLMENT SERVICES, SOURCEPOINT FULFILLMENT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009632
Date	Mar 4, 2022
Instrument	2022009632

Lender

Name	FIRST ATLANTIC FCU
Type	Credit Union
Address	EATONTOWN, NJ 07724

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	357 Months
Due	Dec 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ATLANTIC NJ
Recording Date	Oct 26, 2021
Property Address	309 E SPENCER LN, GALLOWAY, NJ 08205-3257
Document Number	0000063092
Instrument Date	Sep 3, 2021
Instrument	2021063092
Transaction Type	Transfer
Record Updated	Oct 9, 2025
Title Company	PEGASUS TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Tax	$1,645.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3030 ATLANTIC AVE, ATLANTIC CITY, NJ 08401-6344

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	309 E SPENCER LN, GALLOWAY, NJ 08205-3257

Tax Assessment & Valuation

Source: Atlantic County and Galloway Township assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Atlantic County
County Subdivision	Galloway Township
Elementary School District	Galloway Township School District (KG - 08)
Secondary School District	Greater Egg Harbor Regional School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$336,500 (-) Land $61,800 Building $274,700	$336,500 (-) Land $61,800 Building $274,700
2025	$11,407.00 (+1.56%)	$336,500 (+20.48%) Land $61,800 Building $274,700	$336,500 (+20.48%) Land $61,800 Building $274,700
2024	$11,232.00 (+25.25%)
2023		$279,300 Land $61,800 Building $217,500	$279,300 Land $61,800 Building $217,500
2022	$8,968.00

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 August 27, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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	Moderate above 59% of the US · above 74% of New Jersey
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	NJ AMERICAN WATER - ATLANTIC COUNTY private · serves 120,146 people · EPA ID NJ0119002
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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