Monmouth County and Spring Lake Borough property record for 406 Saint Clair Ave, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 3,507 sqft · built 1910 |
| Lot Size | 0.214 acres (9,300 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $325,000 (Jan 2021) |
| Tax Bill | $9,825 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Sep 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 47-00103-0000-00023 |
| Primary APN | 47-00103-0000-00023 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,507 sqft Living Area |
| 1st Floor Area | 875 sqft |
| Upper Floors Area | 747 sqft |
| Basement Area | 747 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Colonial |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 9,300 sqft (0.214 acres) |
| Lot Dimensions | 150 ft deep x 62 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Deck Area | 80 sqft |
| Patio Area | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 406 SAINT CLAIR AVE |
|---|---|
| City | SPRING LAKE |
| State | NJ |
| Zip | 07762-1530 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF05 |
| Legal Block | 103 |
| Legal Lot Number | 23 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 1 |
| Census Block | 1015 |
| 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 SAINT CLAIR AVE, SPRING LAKE, NJ 07762-1530 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 9, 2026 | Deed of Trust, Mortgage · Conventional Mortgage USAA FSB |
| Sep 22, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 7, 2021 · Amount on Record |
| Deed Sale | Jan 7, 2021 · Amount on Record |
| Prior Sale | Apr 30, 2007 · Amount on Record |
| Deed Document Number | 20214007 |
| Deed Book / Page | 9471 / 128 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 406 SAINT CLAIR AVE, SPRING LAKE, NJ 07762-1530 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 406 SAINT CLAIR AVE, SPRING LAKE, NJ 07762-1530 |
| Document Number | 0097745474 |
|---|---|
| Date | Jan 9, 2026 |
| Book Page | 9774/5474 |
| Instrument | 2026002818 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Address | SAN ANTONIO, TX 78288 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 406 SAINT CLAIR AVE, SPRING LAKE, NJ 07762-1530 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2023 |
| Title Company | TITLE365 - OMAHA, TITLE365 OMAHA |
| Name | Verified Name |
|---|
| Document Number | 0096608291 |
|---|---|
| Date | Sep 22, 2023 |
| Book Page | 9660/8291 |
| Instrument | 2023066143 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 14, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $2,867,300 (+33.37%) Land $1,976,000 Building $891,300 | $2,867,300 (+33.37%) Land $1,976,000 Building $891,300 | |
| 2025 | $9,825.00 (+5.41%) | $2,149,900 (+21.03%) Land $1,773,500 Building $376,400 | $2,149,900 (+21.03%) Land $1,773,500 Building $376,400 |
| 2024 | $9,321.00 (+9.02%) | ||
| 2023 | $1,776,400 Land $1,434,400 Building $342,000 | $1,776,400 Land $1,434,400 Building $342,000 | |
| 2022 | $8,550.00 |
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 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 |
|
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 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 |
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