Monmouth County and Spring Lake Borough property record for 404 Central Ave, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,825 sqft · built 2007 |
| Lot Size | 0.192 acres (8,340 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,919 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 47-00011-0000-00019 |
| Primary APN | 47-00011-0000-00019 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,825 sqft Living Area |
| 1st Floor Area | 1,695 sqft |
| Upper Floors Area | 1,338 sqft |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 8,340 sqft (0.192 acres) |
| Lot Dimensions | 139 ft deep x 60 ft wide |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Deck Area | 619 sqft |
| Patio Area | 616 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 404 CENTRAL AVE |
|---|---|
| City | SPRING LAKE |
| State | NJ |
| Zip | 07762-1020 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF05 |
| Legal Subdivision | REIDS VILLA PARK |
| Legal Block | 11 |
| Legal Lot Number | 19 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 3 |
| Census Block | 3066 |
| Census Tract | 809100 |
404 Central Ave is owned and occupied by two individuals.
Source: Monmouth County and Spring Lake Borough records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 404 CENTRAL AVE, SPRING LAKE, NJ 07762-1020 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 404 Central Ave was $8,919, up 1.7% from the year before.
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 | $2,039,100 (+4.48%) Land $1,159,500 Building $879,600 | $2,039,100 (+4.48%) Land $1,159,500 Building $879,600 | |
| 2025 | $8,919.00 (+1.75%) | $1,951,600 Land $1,062,500 Building $889,100 | $1,951,600 Land $1,062,500 Building $889,100 |
| 2024 | $8,766.00 | ||
| 2023 | $1,591,700 Land $783,800 Building $807,900 | $1,591,700 Land $783,800 Building $807,900 | |
| 2022 | $7,728.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 404 Central Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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.
The area around 404 Central Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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 409 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 | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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