Monmouth County and Spring Lake Borough property record for 31 Ludlow Ave, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 5 ba · 4,285 sqft · built 2021 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,400,000 (Mar 2020) |
| Tax Bill | $24,282 (2025) |
| Deeds & Mortgages | Mar 2020 Sale & Mortgage Apr 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 47-00109-0000-00006 |
| Primary APN | 47-00109-0000-00006 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5 Baths |
| Total Rooms | 13 Rooms |
| Stories | 2 Stories |
| Building Area | 4,285 sqft Living Area |
| 1st Floor Area | 1,154 sqft |
| Upper Floors Area | 1,131 sqft |
| Basement Area | 992 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Colonial |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,501 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Sewer | Connected |
|---|
| Street Address | 31 LUDLOW AVE |
|---|---|
| City | SPRING LAKE |
| State | NJ |
| Zip | 07762-1562 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF10 |
| Legal Block | 109 |
| Legal Lot Number | 6 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 809100 |
31 Ludlow Ave is owned and occupied by two individuals who bought it in March 2020.
Source: Monmouth County and Spring Lake Borough records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 31 LUDLOW AVE, SPRING LAKE, NJ 07762-1562 |
| 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 |
|---|---|
| Mar 6, 2020 | Grant Deed, Transfer JP MORGAN CHASE BK |
| Apr 29, 2017 | Deed of Trust, Mortgage · Line of Credit JP MORGAN CHASE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 6, 2020 · Amount on File |
| Deed Sale | Mar 6, 2020 · Amount on File |
| Prior Sale | May 14, 1998 · Amount on File |
| Deed Document Number | 202026645 |
| Deed Book / Page | 9401 / 5223 |
| Prior Transfer Date | Dec 27, 2011 |
| Prior Transfer Doc | 0089309378 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Mar 6, 2020 |
| Property Address | 31 LUDLOW AVE, SPRING LAKE, NJ 07762-1562 |
| Document Number | 0000026645 |
| Book / Page | 009401 / 005223 |
| Instrument Date | Feb 28, 2020 |
| Instrument | 26645 |
| Transaction Type | Transfer |
| Record Updated | Mar 25, 2020 |
| Title Company | TRIDENT ABSTRACT TITLE AGENCY LLC, TRIDENT ABS TITLE AGCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,400.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 31 LUDLOW AVE SPRING LAKE NJ 077621562, SPRING LAKE, NJ 07762-1562 |
| Document Number | 26646 |
|---|---|
| Date | Mar 6, 2020 |
| Book Page | 009401/005235 |
| Instrument | 26646 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | 601 OAKMONT LN # 300, WESTMONT, IL 60559-5532 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 5, 2050 |
| Document Number | 26647, |
|---|---|
| Date | Mar 6, 2020 |
| Book Page | 009401/005253 |
| Instrument | 26647 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | WESTMONT, IL 60559 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 5, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 31 LUDLOW AVE, SPRING LAKE, NJ 07762-1562 |
| Document Number | 0000047913 |
| Instrument Date | Apr 29, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 31 LUDLOW AVE SPRING LAKE NJ 077621562, SPRING LAKE, NJ 07762-1562 |
| Document Number | 0000047913 |
|---|---|
| Date | May 15, 2017 |
| Book Page | 009227/000656 |
| Instrument | 47913 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 420 Months |
| Due | May 14, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
The 2025 property tax bill for 31 Ludlow Ave was $24,282, up 7.8% 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 | $5,780,100 (+8.79%) Land $3,907,000 Building $1,873,100 | $5,780,100 (+8.79%) Land $3,907,000 Building $1,873,100 | |
| 2025 | $24,282.00 (+7.84%) | $5,313,300 Land $3,482,000 Building $1,831,300 | $5,313,300 Land $3,482,000 Building $1,831,300 |
| 2024 | $22,517.00 | ||
| 2023 | $4,479,900 Land $3,217,300 Building $1,262,600 | $4,479,900 Land $3,217,300 Building $1,262,600 | |
| 2022 | $21,738.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 31 Ludlow Ave in Zone X, an area of minimal flood risk, though there have been 41 flood claims nearby since 1992.
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 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.
The area around 31 Ludlow 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 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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