Monmouth County and Spring Lake Borough property record for 317 Ludlow Ave, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 3,942 sqft · built 2021 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $3,499,000 (Jan 2022) |
| Tax Bill | $18,469 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Jan 2022 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 47-00112-0000-00008 |
| Primary APN | 47-00112-0000-00008 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,942 sqft Living Area |
| 1st Floor Area | 1,020 sqft |
| Upper Floors Area | 1,088 sqft |
| Basement Area | 1,020 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Colonial |
| Exterior Material | Wood Shingle |
| 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 |
| Porch | Open Porch |
|---|---|
| Deck Area | 136 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Sewer | Connected |
|---|
| Street Address | 317 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 | LUDLOW |
| Legal Block | 112 |
| Legal Lot Number | 8 |
| 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 | 317 LUDLOW AVE, SPRING LAKE, NJ 07762-1551 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 21, 2021 | Deed of Trust, Mortgage JOHN SUTHERLAND ETUX |
| Jan 13, 2022 | Deed, Transfer · Conventional Mortgage PATRIOT MORTGAGE LLC |
| Feb 3, 2021 | Deed, Transfer · Commercial Mortgage ARTWIT LLC |
| Jun 15, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Jun 15, 2017 | Deed of Trust, Mortgage · FHA Mortgage FINANCE OF AMERICA REVERSE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 13, 2022 · Amount on Record |
| Deed Sale | Jan 13, 2022 · Amount on Record |
| Prior Sale | Feb 3, 2021 · Amount on Record |
| Deed Document Number | 20224815 |
| Deed Book / Page | 9571 / 6946 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 317 LUDLOW AVE, SPRING LAKE, NJ 07762-1551 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 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 | 0095448603 |
|---|---|
| Date | Sep 21, 2021 |
| Book Page | 9544/8603 |
| Instrument | 2021141125 |
| Name | JOHN SUTHERLAND ETUX |
|---|---|
| Type | Private Party |
| Address | 306 FLETCHER LAKE AVE, BRADLEY BEACH, NJ 07720 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jan 13, 2022 |
| Property Address | 317 LUDLOW AVE, SPRING LAKE, NJ 07762-1551 |
| Document Number | 0095716946 |
| Book / Page | 9571 / 6946 |
| Instrument Date | Dec 27, 2021 |
| Instrument | 2022004815 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2022 |
| Title Company | TOHICKON SETTLEMENT SERVICES INC, TOHICKON SETTLEMENT SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $74,802.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1800 CAMPBELL RD, 1800, WALL TOWNSHIP, NJ 07719-9527 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 317 LUDLOW AVE, SPRING LAKE, NJ 07762-1551 |
| Document Number | 2022004816 |
|---|---|
| Date | Jan 13, 2022 |
| Instrument | 2022004816 |
| Name | PATRIOT MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Feb 3, 2021 |
| Property Address | 317 LUDLOW AVE, SPRING LAKE, NJ 07762-1551 |
| Document Number | 0094785541 |
| Book / Page | 9478 / 5541 |
| Instrument Date | Dec 10, 2020 |
| Instrument | 2021017840 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2022 |
| Title Company | TRIDENT ABSTRACT TTL AGCY LL |
| Amount | Amount Recorded |
|---|---|
| Tax | $30,625.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 317 LUDLOW AVE, 317, SPRING LAKE, NJ 07762-1551 |
| Name | Verified Name |
|---|---|
| Address | 315 LUDLOW AVE, SPRING LAKE, NJ 07762-1551 |
| Document Number | 2021017841 |
|---|---|
| Date | Feb 3, 2021 |
| Instrument | 2021017841 |
| Name | ARTWIT LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 0094785641 |
|---|---|
| Date | Feb 3, 2021 |
| Book Page | 9478/5641 |
| Instrument | 2021017843 |
| Name | ARTWIT 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 | 317 LUDLOW AVE, SPRING LAKE, NJ 07762-1551 |
| Document Number | 0000066496 |
| Book / Page | 009235 / 005081 |
| Instrument Date | Jun 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2017 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSURANCE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 317 LUDLOW AVE SPRING LAKE NJ 077621551, SPRING LAKE, NJ 07762-1551 |
| Document Number | 0000066496 |
|---|---|
| Date | Jul 13, 2017 |
| Book Page | 009235/005081 |
| Instrument | 66496 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 672 Months |
| Due | Jul 12, 2073 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.47% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 317 LUDLOW AVE, SPRING LAKE, NJ 07762-1551 |
| Document Number | 0000066495 |
| Book / Page | 009235 / 005061 |
| Instrument Date | Jun 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2017 |
| Title Company | GREEN LABEL TITLE |
| Name | Verified Name |
|---|---|
| Address | 317 LUDLOW AVE SPRING LAKE NJ 077621551, SPRING LAKE, NJ 07762-1551 |
| Document Number | 0000066495 |
|---|---|
| Date | Aug 15, 2017 |
| Book Page | 009235/005061 |
| Instrument | 66495 |
| Name | FINANCE OF AMERICA REVERSE |
|---|---|
| Address | TULSA, OK 74137 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 672 Months |
| Due | Aug 14, 2073 |
| Rate Type | Adjustable Rate |
|---|
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 | $4,354,700 (+7.75%) Land $2,236,300 Building $2,118,400 | $4,354,700 (+7.75%) Land $2,236,300 Building $2,118,400 | |
| 2025 | $18,469.00 (+1.39%) | $4,041,400 (+15.1%) Land $2,011,300 Building $2,030,100 | $4,041,400 (+15.1%) Land $2,011,300 Building $2,030,100 |
| 2024 | $18,216.00 (+1.83%) | ||
| 2023 | $3,511,100 Land $1,666,300 Building $1,844,800 | $3,511,100 Land $1,666,300 Building $1,844,800 | |
| 2022 | $17,889.00 |
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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