Monmouth County and Spring Lake Borough property record for 406 2nd Ave, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,622 sqft · built 1990 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $13,914 (2025) |
| Deeds & Mortgages | Mar 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 47-00030-0000-00011 |
| Primary APN | 47-00030-0000-00011 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,622 sqft Living Area |
| 1st Floor Area | 1,455 sqft |
| Upper Floors Area | 1,449 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| 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 | 150 ft deep x 50 ft wide |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 406 2ND AVE |
|---|---|
| City | SPRING LAKE |
| State | NJ |
| Zip | 07762-1106 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF05 |
| Legal Description | ALSO LOTS 12/14 NIT 1A |
| Legal Subdivision | SPRING LAKE |
| Legal Block | 30 |
| Legal Lot Number | 11 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 3 |
| Census Block | 3042 |
| Census Tract | 809100 |
406 2nd Ave is owned and occupied by two individuals.
Source: Monmouth County and Spring Lake Borough records, as of July 9, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 406 2ND AVE, SPRING LAKE, NJ 07762-1106 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 406 2ND AVE, SPRING LAKE, NJ 07762-1106 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0095855038 |
|---|---|
| Date | Mar 21, 2022 |
| Book Page | 9585/5038 |
| Instrument | 2022032267 |
| Name | MANASQUAN BANK |
|---|---|
| Type | Bank |
| Address | MANASQUAN, NJ 08736 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 21, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 406 2nd Ave was $13,914, up 2.6% 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 | $3,260,700 (+7.1%) Land $2,394,000 Building $866,700 | $3,260,700 (+7.1%) Land $2,394,000 Building $866,700 | |
| 2025 | $13,914.00 (+2.63%) | $3,044,600 Land $2,214,000 Building $830,600 | $3,044,600 Land $2,214,000 Building $830,600 |
| 2024 | $13,558.00 | ||
| 2023 | $2,418,800 Land $1,664,000 Building $754,800 | $2,418,800 Land $1,664,000 Building $754,800 | |
| 2022 | $11,987.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 406 2nd Ave in Zone X, an area of minimal flood risk, though there have been 440 flood claims nearby since 1979.
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 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 406 2nd 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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