Monmouth County and Spring Lake Borough property record for 401 Ocean Ave, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 4,262 sqft · built 2007 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $23,378 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage May 2019 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 47-00031-0000-00001-01 |
| Primary APN | 47-00031-0000-00001-01 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 4,262 sqft Living Area |
| 1st Floor Area | 1,750 sqft |
| Upper Floors Area | 2,350 sqft |
| Basement Area | 1,750 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| 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 | 50 ft deep x 150 ft wide |
| View / Lot | Corner |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Deck Area | 264 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Radiant |
| Sewer | Connected |
| Old Parcel Number | 4700031000000001 |
|---|---|
| Street Address | 401 OCEAN AVE |
| City | SPRING LAKE |
| State | NJ |
| Zip | 07762-1134 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | L2-3 |
| Legal Block | 31 |
| Legal Lot Number | 1.1 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 3 |
| Census Block | 3024 |
| 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 | 401 OCEAN AVE, SPRING LAKE, NJ 07762-1134 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FIN'L |
| May 29, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MTG |
| Mar 23, 2017 | Deed of Trust, Mortgage · Line of Credit PNC BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 401 OCEAN AVE, SPRING LAKE, NJ 07762-1134 |
| Document Number | 0000120043 |
| Instrument Date | Sep 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2020 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 401 OCEAN AVE SPRING LAKE NJ 077621134, SPRING LAKE, NJ 07762-1134 |
| Document Number | 0000120043 |
|---|---|
| Date | Oct 15, 2020 |
| Book Page | 009449/003123 |
| Instrument | 120043 |
| Name | CARDINAL FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 14, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 401 OCEAN AVE, SPRING LAKE, NJ 07762-1134 |
| Document Number | 0000050132 |
| Instrument Date | May 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 4, 2019 |
| Title Company | TRIDENT ABSTRACT TITLE AGENCY LLC, TRIDENT ABS TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 401 OCEAN AVE SPRING LAKE NJ 077621134, SPRING LAKE, NJ 07762-1134 |
| Document Number | 0000050132 |
|---|---|
| Date | Jun 10, 2019 |
| Book Page | 009351/009123 |
| Instrument | 50132 |
| Name | FINANCE OF AMERICA MTG |
|---|---|
| Address | HORSHAM, PA 19044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 9, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 401 OCEAN AVE, SPRING LAKE, NJ 07762-1134 |
| Document Number | 0000038032 |
| Instrument Date | Mar 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 401 OCEAN AVE SPRING LAKE NJ 077621134, SPRING LAKE, NJ 07762-1134 |
| Document Number | 0000038032 |
|---|---|
| Date | Apr 11, 2017 |
| Book Page | 009221/007934 |
| Instrument | 38032 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 444 Months |
| Due | Apr 10, 2054 |
| 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 | $5,335,300 (+4.29%) Land $4,149,000 Building $1,186,300 | $5,335,300 (+4.29%) Land $4,149,000 Building $1,186,300 | |
| 2025 | $23,378.00 (+1.34%) | $5,115,600 (+11.74%) Land $3,924,000 Building $1,191,600 | $5,115,600 (+11.74%) Land $3,924,000 Building $1,191,600 |
| 2024 | $23,069.00 (+4.28%) | ||
| 2023 | $4,578,200 Land $3,495,400 Building $1,082,800 | $4,578,200 Land $3,495,400 Building $1,082,800 | |
| 2022 | $22,123.00 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 227 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 421 units insured incl. 194 condo units |
| Nearby Flood Claims | 440 (1979–2025) |
| Claims Outside the SFHA | 142 of 440 |
| Most Recent Claim | Jul 2025 · 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 66 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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