Monmouth County and Spring Lake Borough property record for 315 Ludlow Ave, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 2,871 sqft · built 1963 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $780,000 (Apr 2004) |
| Tax Bill | $10,840 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage Jul 2023 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 47-00112-0000-00007 |
| Primary APN | 47-00112-0000-00007 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,871 sqft Living Area |
| 1st Floor Area | 1,341 sqft |
| Basement Area | 1,120 sqft |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 7,501 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 100 sqft |
| Sewer | Connected |
|---|
| Street Address | 315 LUDLOW AVE |
|---|---|
| City | SPRING LAKE |
| State | NJ |
| Zip | 07762-1551 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF05 |
| Legal Subdivision | SPRING LAKE |
| Legal Block | 112 |
| Legal Lot Number | 7 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 809100 |
Source: Monmouth County and Spring Lake Borough 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 | 315 LUDLOW AVE, SPRING LAKE, NJ 07762-1551 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 20, 2023 | Deed of Trust, Mortgage · Commercial Mortgage ART WIT LLC |
| Jul 31, 2023 | Deed of Trust, Mortgage · Commercial Mortgage ART WIT LLC |
| Mar 14, 2022 | Deed of Trust, Mortgage · Commercial Mortgage OPPORTUNITY FUND ONE LLC |
| Apr 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE WORLD BANKERS |
| Apr 5, 2019 | Deed of Trust, Mortgage AMBOY BK |
| Jan 2, 2019 | Deed of Trust, Mortgage · Conventional Mortgage PNC BK |
| Mar 30, 2017 | Grant Deed, Transfer MANASQUAN BK |
| Mar 15, 2017 | Deed of Trust, Mortgage MANASQUAN BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 2004 · Amount on Record |
| Deed Sale | Apr 1, 2004 · Amount on Record |
| Deed Book / Page | 8345 / 5950 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 315 LUDLOW AVE, SPRING LAKE, NJ 07762-1551 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2023 |
| Name | Verified Name |
|---|---|
| Address | 315 LUDLOW AVE, SPRING LAKE, NJ 07762-1551 |
| Document Number | 0096644395 |
|---|---|
| Date | Oct 20, 2023 |
| Book Page | 9664/4395 |
| Instrument | 2023073304 |
| Name | ART WIT LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | FAIRFIELD, NJ 07004 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 315 LUDLOW AVE, SPRING LAKE, NJ 07762-1551 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 315 LUDLOW AVE, SPRING LAKE, NJ 07762-1551 |
| Document Number | 0096540052 |
|---|---|
| Date | Jul 31, 2023 |
| Book Page | 9654/52 |
| Instrument | 2023052167 |
| Name | ART WIT LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | FAIRFIELD, NJ 07004 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 315 LUDLOW AVE, SPRING LAKE, NJ 07762-1551 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2022 |
| Title Company | TRIDENT ABSTRACT TITLE AGENCY LLC, TRIDENT ABSTRACT TTL AGCY LL |
| Name | Verified Name |
|---|---|
| Address | 315 LUDLOW AVE, SPRING LAKE, NJ 07762-1551 |
| Document Number | 0095840752 |
|---|---|
| Date | Mar 14, 2022 |
| Book Page | 9584/752 |
| Instrument | 2022029221 |
| Name | OPPORTUNITY FUND ONE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | FAIRFIELD, NJ 07004 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 315 LUDLOW AVE, SPRING LAKE, NJ 07762-1551 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0095044237 |
|---|---|
| Date | Apr 23, 2021 |
| Book Page | 9504/4237 |
| Instrument | 2021066163 |
| Name | MORTGAGE WORLD BANKERS |
|---|---|
| Type | Mortgage Company |
| Address | ASTORIA, NY 11103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 315 LUDLOW AVE, SPRING LAKE, NJ 07762-1551 |
| Document Number | 0000037359 |
| Instrument Date | Apr 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2019 |
| Title Company | INVESTORS FIRST TITLE AGENCY, INVESTORS FIRST TITLE AGCY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 315 LUDLOW AVE SPRING LAKE NJ 077621551, SPRING LAKE, NJ 07762-1551 |
| Document Number | 0000037359 |
|---|---|
| Date | May 1, 2019 |
| Book Page | 009345/009192 |
| Instrument | 37359 |
| Name | AMBOY BK |
|---|---|
| Type | Bank |
| Address | 3590 US HIGHWAY 9, OLD BRIDGE, NJ 08857-2765 |
| Amount | Amount Recorded |
|---|
| Rate | 5% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 315 LUDLOW AVE, SPRING LAKE, NJ 07762-1551 |
| Document Number | 0000006976 |
| Instrument Date | Jan 2, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2019 |
| Name | Verified Name |
|---|---|
| Address | 315 LUDLOW AVE SPRING LAKE NJ 077621551, SPRING LAKE, NJ 07762-1551 |
| Document Number | 0000006976 |
|---|---|
| Date | Jan 22, 2019 |
| Book Page | 009332/000671 |
| Instrument | 6976 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Mar 30, 2017 |
| Property Address | 315 LUDLOW AVE, SPRING LAKE, NJ 07762-1551 |
| Document Number | 0000033809 |
| Book / Page | 009220 / 000306 |
| Instrument Date | Mar 15, 2017 |
| Instrument | 33809 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2017 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSURANCE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,275.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 315 LUDLOW AVE SPRING LAKE NJ 077621551, SPRING LAKE, NJ 07762-1551 |
| Document Number | 33810 |
|---|---|
| Date | Mar 30, 2017 |
| Book Page | 009220/000320 |
| Instrument | 33810 |
| Name | MANASQUAN BK |
|---|---|
| Address | WALL, NJ 08736 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Mar 29, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 315 LUDLOW AVE, SPRING LAKE, NJ 07762-1551 |
| Document Number | 0000033413 |
| Instrument Date | Mar 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 315 LUDLOW AVE SPRING LAKE NJ 077621551, SPRING LAKE, NJ 07762-1551 |
| Document Number | 0000033413 |
|---|---|
| Date | Apr 5, 2018 |
| Book Page | 009281/000882 |
| Instrument | 33413 |
| Name | MANASQUAN BK |
|---|---|
| Address | WALL, NJ 08736 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 4, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
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 | $2,612,600 (+10.15%) Land $2,236,300 Building $376,300 | $2,612,600 (+10.15%) Land $2,236,300 Building $376,300 | |
| 2025 | $10,840.00 (+9.42%) | $2,371,900 (+28.1%) Land $2,011,300 Building $360,600 | $2,371,900 (+28.1%) Land $2,011,300 Building $360,600 |
| 2024 | $9,907.00 (+13.29%) | ||
| 2023 | $1,851,600 Land $1,666,300 Building $185,300 | $1,851,600 Land $1,666,300 Building $185,300 | |
| 2022 | $8,745.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 10 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 5 (2010–2018) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | Aug 2018 · 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.
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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