Monmouth County and Spring Lake Borough property record for 407 Ludlow Ave, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,444 sqft · built 2016 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $12,394 (2025) |
| Deeds & Mortgages | Dec 2022 Transfer Feb 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 47-00113-0000-00004 |
| Primary APN | 47-00113-0000-00004 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,444 sqft Living Area |
| 1st Floor Area | 1,664 sqft |
| Upper Floors Area | 780 sqft |
| Attic | Attic |
| Attic Area | 748 sqft |
| Basement Area | 1,664 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Colonial |
| Construction Type | Frame |
| Roof Type | Gambrel |
| Roof Material | Other |
| Lot Area | 7,492 sqft (0.172 acres) |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Patio Area | 252 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 407 LUDLOW AVE |
|---|---|
| City | SPRING LAKE |
| State | NJ |
| Zip | 07762-1553 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF05 |
| Legal Subdivision | LUDLOW TRACT/NORTH BRIGHTON |
| Legal Block | 113 |
| Legal Lot Number | 4 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 1 |
| Census Block | 1013 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 407 LUDLOW AVE, SPRING LAKE, NJ 07762-1553 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 5, 2022 | Intrafamily Transfer, Transfer |
| Feb 9, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Oct 29, 2013 |
| Transfer Doc | 0000120628 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Dec 5, 2022 |
| Property Address | 407 LUDLOW AVE, SPRING LAKE, NJ 07762-1553 |
| Document Number | 0096264520 |
| Book / Page | 9626 / 4520 |
| Instrument Date | Oct 2, 2022 |
| Instrument | 2022116375 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 407 LUDLOW AVE, SPRING LAKE, NJ 07762-1553 |
| Name | Verified Name |
|---|---|
| Address | 407 LUDLOW AVE, SPRING LAKE, NJ 07762-1553 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 407 LUDLOW AVE, SPRING LAKE, NJ 07762-1553 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2021 |
| Name | Verified Name |
|---|---|
| Address | 407 LUDLOW AVE, SPRING LAKE, NJ 07762-1553 |
| Document Number | 0094807309 |
|---|---|
| Date | Feb 9, 2021 |
| Book Page | 9480/7309 |
| Instrument | 2021021577 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jan 5, 2046 |
| 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 | $2,944,000 (+8.55%) Land $2,090,000 Building $854,000 | $2,944,000 (+8.55%) Land $2,090,000 Building $854,000 | |
| 2025 | $12,394.00 (-0.78%) | $2,712,000 (+19.96%) Land $1,865,000 Building $847,000 | $2,712,000 (+19.96%) Land $1,865,000 Building $847,000 |
| 2024 | $12,491.00 (+15.64%) | ||
| 2023 | $2,260,800 Land $1,465,200 Building $795,600 | $2,260,800 Land $1,465,200 Building $795,600 | |
| 2022 | $10,802.00 |
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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