Monmouth County and Spring Lake Borough property record for 406 Central Ave, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,816 sqft · built 1965 |
| Lot Size | 0.193 acres (8,400 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $310,000 (Nov 1998) |
| Tax Bill | $6,233 (2025) |
| Deeds & Mortgages | Feb 2017 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 47-00011-0000-00018 |
| Primary APN | 47-00011-0000-00018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,816 sqft Living Area |
| 1st Floor Area | 1,270 sqft |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 8,400 sqft (0.193 acres) |
| Lot Dimensions | 140 ft deep x 60 ft wide |
| Porch | Open Porch |
|---|---|
| Patio Area | 176 sqft |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 406 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 | VILLA PARK |
| Legal Block | 11 |
| Legal Lot Number | 18 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 3 |
| Census Block | 3066 |
| 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 | 406 CENTRAL AVE, SPRING LAKE, NJ 07762-1020 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 2, 1998 · Amount on Record |
| Deed Sale | Nov 2, 1998 · Amount on Record |
| Deed Book / Page | 5766 / 223 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 406 CENTRAL AVE, SPRING LAKE, NJ 07762-1020 |
| Document Number | 0000024244 |
| Instrument Date | Feb 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 406 CENTRAL AVE SPRING LAKE NJ 077621020, SPRING LAKE, NJ 07762-1020 |
| Document Number | 0000024244 |
|---|---|
| Date | Mar 7, 2017 |
| Book Page | 009216/000697 |
| Instrument | 24244 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 6, 2032 |
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 | $1,474,600 (+8.11%) Land $1,171,500 Building $303,100 | $1,474,600 (+8.11%) Land $1,171,500 Building $303,100 | |
| 2025 | $6,233.00 (+2.33%) | $1,364,000 (+29.19%) Land $1,073,500 Building $290,500 | $1,364,000 (+29.19%) Land $1,073,500 Building $290,500 |
| 2024 | $6,091.00 (+19.69%) | ||
| 2023 | $1,055,800 Land $791,800 Building $264,000 | $1,055,800 Land $791,800 Building $264,000 | |
| 2022 | $5,089.00 |
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 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 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 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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