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

Atlantic County and Galloway Township property record for 403 Spruce Ave, Galloway, NJ 08205

Property Summary

Property Type	Single Family Home
Details	1,384 sqft · built 1972
Lot Size	0.287 acres (12,502 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Jul 2021)
Tax Bill	$4,400 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Sep 2018 Sale & Mortgage + 2 more
APN	`11-00624-0000-00012`

Property Details

APN / Parcel Number

Primary APN	`11-00624-0000-00012`
Alternative APN	`15V`

Interior

Stories	1 Story
Building Area	1,384 sqft Living Area
1st Floor Area	1,384 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Ranch
Lot Area	12,502 sqft (0.287 acres)
Lot Dimensions	125 ft deep x 100 ft wide

Location & Zoning

Account Number	15V
Street Address	403 SPRUCE AVE
City	GALLOWAY
State	NJ
Zip	08205-4540
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	FACILITY NAME: DISABLED VETERAN
Legal Block	624
Legal Lot Number	12
Jurisdiction	ATLANTIC NJ
Township / Civil Division	GALLOWAY
Census Block Group	3
Census Block	3018
Census Tract	10403

Owner

403 Spruce Ave is owned and occupied by an individual who bought it in July 2021.

Source: Atlantic County and Galloway Township records, as of July 9, 2026

Owner of Record	Individual Name on File
Mailing Address	403 SPRUCE AVE, GALLOWAY, NJ 08205-4540
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2021	Deed, Transfer · FHA Mortgage PROSPERITY HOME MORTGAGE LLC
Sep 17, 2018	Deed, Transfer · VA Mortgage GREENTREE MORTGAGE COMPANY LP
Jul 24, 2018	Grant Deed, Transfer SERVICELINK
Feb 16, 2018	Trustee's Deed, Foreclosure TITLE SERVICE AND LIAISON COMPANIES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2021 · Amount on File
Deed Sale	Jul 20, 2021 · Amount on File
Prior Sale	Sep 17, 2018 · Amount on File
Deed Document Number	202142907
Prior Transfer Date	May 23, 2007
Prior Transfer Doc	0000061674
Record Updated	Oct 29, 2026

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ATLANTIC NJ
Recording Date	Jul 20, 2021
Property Address	403 SPRUCE AVE, GALLOWAY, NJ 08205-4540
Document Number	0000042907
Instrument Date	May 28, 2021
Instrument	2021042907
Transaction Type	Transfer
Record Updated	Sep 22, 2022
Title Company	SURREY TITLE COMPANY, SURETY TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	403 SPRUCE AVE, 403, GALLOWAY, NJ 08205-4540

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 SPRUCE AVE, GALLOWAY, NJ 08205-4540

Mortgage

Document Number	0000042908
Date	Jul 20, 2021
Instrument	2021042908

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jun 1, 2051

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ATLANTIC NJ
Recording Date	Sep 17, 2018
Property Address	403 SPRUCE AVE, GALLOWAY, NJ 08205-4540
Document Number	0000047783
Instrument Date	Aug 31, 2018
Instrument	2018047783
Transaction Type	Transfer
Record Updated	Sep 22, 2022
Title Company	SURETY TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$834.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	403 SPRUCE AVE, 403, GALLOWAY, NJ 08205-4540

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 SPRUCE AVE, GALLOWAY, NJ 08205-4540

Mortgage

Document Number	0000047784
Date	Sep 17, 2018
Instrument	2018047784

Lender

Name	GREENTREE MORTGAGE COMPANY LP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2048

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ATLANTIC NJ
Recording Date	Jul 24, 2018
Property Address	403 SPRUCE AVE, GALLOWAY, NJ 08205-4540
Document Number	0000037655
Instrument Date	Apr 17, 2018
Instrument	37655
Transaction Type	Transfer
Record Updated	Aug 14, 2018
Title Company	SERVICELINK

Transaction

Amount	Amount on Record
Tax	$115.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	527 4TH ST ABSECON NJ 082011811, ABSECON, NJ 08201-1811

February 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ATLANTIC NJ
Recording Date	Feb 16, 2018
Property Address	403 SPRUCE AVE, GALLOWAY, NJ 08205-4540
Document Number	0000008823
Instrument Date	Jan 23, 2018
Instrument	8823
Transaction Type	Foreclosure
Record Updated	Mar 13, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transaction

Amount	Amount on Record
Tax	$1.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8900 FREEPORT PKWY #150 IRVING TX 750632415, 150, IRVING, TX 75063-2415

Tax Assessment & Valuation

The 2025 property tax bill for 403 Spruce Ave was $4,400, 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		$129,800 (-) Land $46,500 Building $83,300	$129,800 (-) Land $46,500 Building $83,300
2025	$4,400.00 (+1.57%)	$129,800 Land $46,500 Building $83,300	$129,800 Land $46,500 Building $83,300
2024	$4,332.00
2023		$129,800 Land $46,500 Building $83,300	$129,800 Land $46,500 Building $83,300
2022	$4,167.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA's flood maps do not cover 403 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 403 Spruce Ave is moderate, ranking above 48% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · above 66% of New Jersey
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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.

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