Monmouth County and Spring Lake Borough property record for 309 Jersey Ave, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 2,630 sqft · built 1918 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $280,000 (Jun 1988) |
| Tax Bill | $10,399 (2025) |
| Deeds & Mortgages | Sep 2021 Reverse Mortgage Aug 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 47-00074-0000-00006 |
| Primary APN | 47-00074-0000-00006 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 2,630 sqft Living Area |
| 1st Floor Area | 2,630 sqft |
| Basement Area | 780 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1918 |
| Architectural Style | Ranch |
| Exterior Material | Wood Shingle |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 6,970 sqft (0.16 acres) |
| Garage Type | Detached |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Sewer | Connected |
| Street Address | 309 JERSEY AVE |
|---|---|
| City | SPRING LAKE |
| State | NJ |
| Zip | 07762-1446 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF05 |
| Legal Block | 74 |
| Legal Lot Number | 6 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 809100 |
309 Jersey Ave is owned and occupied by two individuals who bought it in June 1988.
Source: Monmouth County and Spring Lake Borough records, as of July 9, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 309 JERSEY AVE, SPRING LAKE, NJ 07762-1446 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 29, 2021 | Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC |
| Aug 20, 2018 | Deed of Trust, Mortgage REVERSE MTG FNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 1988 · Amount on File |
| Deed Sale | Jun 1, 1988 · Amount on File |
| Deed Book / Page | 4856 / 747 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 309 JERSEY AVE, SPRING LAKE, NJ 07762-1446 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2021 |
| Title Company | F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 309 JERSEY AVE, SPRING LAKE, NJ 07762-1446 |
| Document Number | 0095471804 |
|---|---|
| Date | Sep 29, 2021 |
| Book Page | 9547/1804 |
| Instrument | 2021145123 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | TULSA, OK 74133 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 898 Months |
| Due | Jul 5, 2096 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 309 JERSEY AVE, SPRING LAKE, NJ 07762-1446 |
| Document Number | 0000085368 |
| Instrument Date | Aug 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 12, 2018 |
| Title Company | CHANCELLOR TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 309 JERSEY AVE SPRING LAKE NJ 077621446, SPRING LAKE, NJ 07762-1446 |
| Document Number | 0000085368 |
|---|---|
| Date | Aug 27, 2018 |
| Book Page | 009309/002081 |
| Instrument | 85368 |
| Name | REVERSE MTG FNDG |
|---|---|
| Type | Mortgage Company |
| Address | 1455 BROAD ST # 2ND, BLOOMFIELD, NJ 07003-3039 |
| Amount | Amount on Record |
|---|---|
| Term | 936 Months |
| Due | Aug 26, 2096 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 309 Jersey Ave was $10,399, up 10.1% from the year before.
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 | $2,485,900 (+9.24%) Land $2,238,800 Building $247,100 | $2,485,900 (+9.24%) Land $2,238,800 Building $247,100 | |
| 2025 | $10,399.00 (+10.15%) | $2,275,600 Land $2,038,800 Building $236,800 | $2,275,600 Land $2,038,800 Building $236,800 |
| 2024 | $9,441.00 | ||
| 2023 | $1,775,200 Land $1,696,900 Building $78,300 | $1,775,200 Land $1,696,900 Building $78,300 | |
| 2022 | $8,986.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 309 Jersey Ave in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1979.
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 63 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 63 in force |
| Nearby Flood Claims | 21 (1979–2012) |
| Claims Outside the SFHA | 16 of 21 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
| 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.
The area around 309 Jersey Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 473 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 | 2,300 / 2,300 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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