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406 Spruce Ave, Galloway (Absecon), NJ 08205 Property Records

Atlantic County and Galloway Township property record for 406 Spruce Ave, Galloway, NJ 08205

Property Summary

Property TypeSingle Family Home
Details1,314 sqft · built 1975
Lot Size0.359 acres (15,625 sqft)
OwnerIndividual Name on File
Last Sale$260,000 (Apr 2024)
Tax Bill$4,122 (2025)
Deeds & MortgagesApr 2024 Sale & Mortgage
APN11-00628-0000-00002

Property Details

APN / Parcel Number

Primary APN11-00628-0000-00002

Interior

Stories1 Story
Building Area1,314 sqft Living Area
1st Floor Area1,314 sqft

Exterior

Year BuiltBuilt 1975
Effective Year BuiltEffective 1975
Architectural StyleRanch
Lot Area15,625 sqft (0.359 acres)
Lot Dimensions125 ft deep x 125 ft wide

Location & Zoning

Street Address406 SPRUCE AVE
CityGALLOWAY
StateNJ
Zip08205-4541
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1
Legal Block628
Legal Lot Number2
JurisdictionATLANTIC NJ
Township / Civil DivisionGALLOWAY
Census Block Group3
Census Block3019
Census Tract10403

Owner

406 Spruce Ave is owned and occupied by an individual who bought it in April 2024.

Source: Atlantic County and Galloway Township records, as of August 21, 2026

Owner of RecordIndividual Name on File
Mailing Address406 SPRUCE AVE, GALLOWAY, NJ 08205-4541
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 23, 2024 · Amount on File
Deed SaleApr 23, 2024 · Amount on File
Prior SaleNov 5, 2008
Deed Document Number202418039
Prior Transfer DateApr 21, 2004
Prior Transfer Doc0004037964
Record UpdatedOct 29, 2026

April 2024: Deed, Transfer

Document TypeDeed
JurisdictionATLANTIC NJ
Recording DateApr 23, 2024
Property Address406 SPRUCE AVE, GALLOWAY, NJ 08205-4541
Document Number0000018039
Instrument DateJan 24, 2024
Instrument2024018039
Transaction TypeTransfer
Record UpdatedMay 7, 2024
Title CompanyEQUITY PLUS LAND TRANSFER

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,403.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address10 WILSON DR, NORTHFIELD, NJ 08225-2545

Transferred To (Grantee/Buyer)

NameVerified Name
Address406 SPRUCE AVE, GALLOWAY, NJ 08205-4541

Mortgage

Document Number0000018040
DateApr 23, 2024
Instrument2024018040
Lender
NameDHI MORTGAGE COMPANY LTD
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term358 Months
DueFeb 1, 2054

Mortgage

Document Number0000018041
DateApr 23, 2024
Instrument2024018041
Lender
NameNEW JERSEY HOUSING & MORTGAGE FIN AGENCY
TypeGovernment Agency
AddressTRENTON, NJ 08650
Agreement
TypeStand-Alone Second Mortgage
AmountAmount on Record
Term57 Months
DueJan 30, 2029

Tax Assessment & Valuation

The 2025 property tax bill for 406 Spruce Ave was $4,122, up 1.6% from the year before.

Source: Atlantic County and Galloway Township assessment roll, as of July 9, 2026

Property Jurisdictions

TypeName
StateNew Jersey
CountyAtlantic County
County SubdivisionGalloway Township
Elementary School DistrictGalloway Township School District (KG - 08)
Secondary School DistrictGreater Egg Harbor Regional School District (09 - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$121,600 (-) Land $47,900 Building $73,700$121,600 (-) Land $47,900 Building $73,700
2025$4,122.00 (+1.55%)$121,600 Land $47,900 Building $73,700$121,600 Land $47,900 Building $73,700
2024$4,059.00
2023$121,600 Land $47,900 Building $73,700$121,600 Land $47,900 Building $73,700
2022$3,904.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA's flood maps do not cover 406 Spruce Ave; there have been 3 flood claims nearby since 1992.

Source: FEMA National Flood Hazard Layer, effective August 27, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneNot included in the FIRM
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force
Nearby Flood Claims3 (1992–2012)
Claims Outside the SFHA1 of 3
Most Recent ClaimOct 2012 · Hurricane Sandy

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

Wildfire risk around 406 Spruce Ave is moderate, ranking above 40% of the US, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 40% of the US · above 60% of New Jersey
Wildfire Likelihood0.04% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemNJ AMERICAN WATER - ATLANTIC COUNTY
private · serves 120,146 people · EPA ID NJ0119002
Water SourceGroundwater
Last State InspectionJun 2024
Lead1 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 338 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Starlink
Satellite		280 / 30

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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