404 Ludlow Ave, Spring Lake, NJ 07762 Property Records

Monmouth County and Spring Lake Borough property record for 404 Ludlow Ave, Spring Lake, NJ 07762

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 2,697 sqft · built 1926
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,809,000 (May 2023)
Tax Bill	$13,245 (2025)
Deeds & Mortgages	May 2023 Sale Oct 2019 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`47-00116-0000-00023`

Property Details

APN / Parcel Number

Primary APN	`47-00116-0000-00023`
Alternative APN	`470011600023`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,697 sqft Living Area
1st Floor Area	1,794 sqft
Basement Area	1,266 sqft

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Other
Lot Area	15,000 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Pool Area	432 sqft
Porch	Open Porch
Deck Area	474 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	404 LUDLOW AVE
City	SPRING LAKE
State	NJ
Zip	07762-1554
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF05
Legal Description	INCL BLK 116 LOTS 23 & 24
Legal Subdivision	LUDLOW TR
Legal Block	116
Legal Lot Number	23
Jurisdiction	MONMOUTH NJ
Township / Civil Division	SPRING LAKE
Census Block Group	1
Census Block	1010
Census Tract	809100

Owner

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	7914 10TH AVE, BROOKLYN, NY 11228-2610
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 30, 2023	Deed, Transfer RMS TITLE SERVICES LLC
Oct 24, 2019	Grant Deed, Transfer US BK
Sep 23, 2019	Grant Deed, Transfer JERSEY SHR TITLE SERVICES LLC, JERSEY SHR TITLE SVCS LLC
Mar 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage MARISA & ALE CORP
Feb 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage DEVON ROAD ASSOCIATES LLC
May 1, 2017	Grant Deed, Transfer · Conventional Mortgage US SMALL BUSN ADMN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2023 · Amount on Record
Deed Sale	May 30, 2023 · Amount on Record
Prior Sale	Oct 24, 2019 · Amount on Record
Deed Document Number	202336531
Deed Book / Page	9646 / 2868
Prior Transfer Date	Mar 6, 2014
Prior Transfer Doc	0090593125
Record Updated	Sep 20, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MONMOUTH NJ
Recording Date	May 30, 2023
Property Address	404 LUDLOW AVE, SPRING LAKE, NJ 07762-1554
Document Number	0096462868
Book / Page	9646 / 2868
Instrument Date	May 17, 2023
Instrument	2023036531
Transaction Type	Transfer
Record Updated	Jun 16, 2023
Title Company	RMS TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$59,553.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2107 4TH AVE, SPRING LAKE, NJ 07762-1652

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 LUDLOW AVE, SPRING LAKE, NJ 07762-1554

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Oct 24, 2019
Property Address	404 LUDLOW AVE, SPRING LAKE, NJ 07762-1554
Document Number	0000099883
Book / Page	009375 / 006322
Instrument Date	Oct 2, 2019
Instrument	99883
Transaction Type	Transfer
Record Updated	Nov 13, 2019
Title Company	MAIN STREET TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,447.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	404 LUDLOW AVE SPRING LAKE NJ 077621554, SPRING LAKE, NJ 07762-1554

Mortgage

Document Number	99884
Date	Oct 24, 2019
Book Page	009375/006332
Instrument	99884

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2049

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Sep 23, 2019
Property Address	404 LUDLOW AVE, SPRING LAKE, NJ 07762-1554
Document Number	0000088669
Book / Page	009370 / 000307
Instrument Date	Sep 2, 2019
Instrument	88669
Transaction Type	Transfer
Record Updated	Oct 15, 2019
Title Company	JERSEY SHR TITLE SERVICES LLC, JERSEY SHR TITLE SVCS LLC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 LUDLOW AVE SPRING LAKE NJ 077621554, SPRING LAKE, NJ 07762-1554

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	404 LUDLOW AVE, SPRING LAKE, NJ 07762-1554
Document Number	0000028342
Instrument Date	Mar 8, 2019
Transaction Type	Mortgage
Record Updated	Apr 19, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 LUDLOW AVE SPRING LAKE NJ 077621554, SPRING LAKE, NJ 07762-1554

Mortgage

Document Number	0000028342
Date	Apr 2, 2019
Book Page	009341/007989
Instrument	28342

Lender

Name	MARISA & ALE CORP
Address	29 BEACH RD, MONMOUTH BEACH, NJ 07750-1352

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	404 LUDLOW AVE, SPRING LAKE, NJ 07762-1554
Document Number	0000018683
Instrument Date	Feb 8, 2018
Transaction Type	Mortgage
Record Updated	Mar 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	404 LUDLOW AVE SPRING LAKE NJ 077621554, SPRING LAKE, NJ 07762-1554

Mortgage

Document Number	0000018683
Date	Feb 16, 2018
Book Page	009274/005980
Instrument	18683

Lender

Name	DEVON ROAD ASSOCIATES LLC
Address	60 ROSELAND AVE, CALDWELL, NJ 07006-5955

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Feb 15, 2020

Interest

Rate	12%

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	May 1, 2017
Property Address	404 LUDLOW AVE, SPRING LAKE, NJ 07762-1554
Document Number	0000044428
Book / Page	009225 / 002770
Instrument Date	Apr 21, 2017
Instrument	44428
Transaction Type	Transfer
Record Updated	Jun 15, 2017
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,319.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	404 LUDLOW AVE SPRING LAKE NJ 077621554, SPRING LAKE, NJ 07762-1554

Mortgage

Document Number	44429
Date	May 1, 2017
Book Page	009225/002818
Instrument	44429

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Monmouth County and Spring Lake Borough assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
Municipality	Spring Lake Borough
Unified School District	Spring Lake Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$3,152,200 (+8.76%) Land $2,459,600 Building $692,600	$3,152,200 (+8.76%) Land $2,459,600 Building $692,600
2025	$13,245.00 (-3.29%)	$2,898,300 (+43.7%) Land $2,234,600 Building $663,700	$2,898,300 (+43.7%) Land $2,234,600 Building $663,700
2024	$13,695.00 (+43.86%)
2023		$2,016,900 Land $1,834,800 Building $182,100	$2,016,900 Land $1,834,800 Building $182,100
2022	$9,520.00

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

Flood

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	Hurricane Sandy, Oct 2012 · 3 claims

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

404 Ludlow Ave, Spring Lake, NJ 07762 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

May 2023: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

October 2019: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2019: Grant Deed, Transfer

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

March 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

May 2017: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Ludlow Ave

Nearby Streets

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