314 Spruce Ave, Galloway (Absecon), NJ 08205 Property Records

Atlantic County and Galloway Township property record for 314 Spruce Ave, Galloway, NJ 08205

Property Summary

Property Type	Single Family Home
Details	1,080 sqft · built 1989
Lot Size	0.144 acres (6,251 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Nov 2025)
Tax Bill	$4,126 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Nov 2025 Sale & Construction Loan
APN	`11-00629-0000-00006`

Property Details

APN / Parcel Number

Primary APN	`11-00629-0000-00006`
Alternative APN	`110062900006`

Interior

Stories	1 Story
Building Area	1,080 sqft Living Area
1st Floor Area	1,080 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Ranch
Lot Area	6,251 sqft (0.144 acres)
Lot Dimensions	125 ft deep x 50 ft wide

Location & Zoning

Street Address	314 SPRUCE AVE
City	GALLOWAY
State	NJ
Zip	08205-4538
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Subdivision	PINEHURST
Legal Block	629
Legal Lot Number	6
Jurisdiction	ATLANTIC NJ
Township / Civil Division	GALLOWAY
Census Block Group	3
Census Block	3019
Census Tract	10403

Owner

314 Spruce Ave is owned and occupied by an individual who bought it in November 2025.

Source: Atlantic County and Galloway Township 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	Individual Name on File
Mailing Address	314 SPRUCE AVE, GALLOWAY, NJ 08205-4538
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Deed, Transfer · VA Mortgage CMG MORTGAGE INC
Nov 24, 2025	Deed, Transfer · Construction Mortgage RFLF 4 LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 24, 2025 · Amount on File
Deed Sale	Nov 24, 2025 · Amount on File
Prior Sale	Nov 24, 2025 · Amount on File
Deed Document Number	202544004
Record Updated	Oct 29, 2026

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ATLANTIC NJ
Recording Date	Nov 24, 2025
Property Address	314 SPRUCE AVE, GALLOWAY, NJ 08205-4538
Document Number	0000044004
Instrument Date	Nov 20, 2025
Instrument	2025044004
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	LLOYDS AND HANDSON TITLE AGENCY, LLOYDS & HANDSON TTL AGCY LL

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,027.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	456 DAMSON AVE, GALLOWAY, NJ 08205-4450

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 SPRUCE AVE, GALLOWAY, NJ 08205-4538

Mortgage

Document Number	0000044005
Date	Nov 24, 2025
Instrument	2025044005

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ATLANTIC NJ
Recording Date	Nov 24, 2025
Property Address	314 SPRUCE AVE, GALLOWAY, NJ 08205-4538
Document Number	0000043996
Instrument Date	Aug 11, 2025
Instrument	2025043996
Transaction Type	Transfer
Record Updated	Dec 26, 2025
Title Company	LLOYDS AND HANDSON TITLE AGENCY, LLOYDS & HANDSON TTL AGCY LL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,208.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4849 GREENVILLE AVE STE 500, 500, DALLAS, TX 75206-4161

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	456 DAMSON AVE, GALLOWAY, NJ 08205-4450
Investor	Possibly a Property Investor

Mortgage

Document Number	0000043997
Date	Nov 24, 2025
Instrument	2025043997

Lender

Name	RFLF 4 LLC
Type	Non-Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	10 Months
Due	Sep 1, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 314 Spruce Ave was $4,126, up 1.6% from the year before.

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		$121,700 (-) Land $43,500 Building $78,200	$121,700 (-) Land $43,500 Building $78,200
2025	$4,126.00 (+1.58%)	$121,700 Land $43,500 Building $78,200	$121,700 Land $43,500 Building $78,200
2024	$4,062.00
2023		$121,700 Land $43,500 Building $78,200	$121,700 Land $43,500 Building $78,200
2022	$3,907.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA's flood maps do not cover 314 Spruce Ave; there have been 3 flood claims nearby since 1992.

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	2 in force
Nearby Flood Claims	3 (1992–2012)
Claims Outside the SFHA	1 of 3
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

Wildfire risk around 314 Spruce Ave is moderate, ranking above 40% of the US, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 60% of New Jersey
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 338 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Spruce Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures