Monmouth County and Spring Lake Borough property record for 407 Ocean Rd, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,215 sqft · built 1876 |
| Lot Size | 0.186 acres (8,100 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $204,166 (Sep 2020) |
| Tax Bill | $6,948 (2025) |
| Deeds & Mortgages | Aug 2020 Line of Credit Sep 2020 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 47-00011-0000-00004 |
| Primary APN | 47-00011-0000-00004 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,215 sqft Living Area |
| 1st Floor Area | 1,035 sqft |
| Upper Floors Area | 811 sqft |
| Basement Area | 811 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1876 |
|---|---|
| Effective Year Built | Effective 1876 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 8,100 sqft (0.186 acres) |
| Lot Dimensions | 135 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 70 sqft |
| Sewer | Connected |
|---|
| Street Address | 407 OCEAN RD |
|---|---|
| City | SPRING LAKE |
| State | NJ |
| Zip | 07762-1027 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF05 |
| Legal Subdivision | REIDS VILLA PK/SQUAN VILLAGE |
| Legal Block | 11 |
| Legal Lot Number | 4 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 3 |
| Census Block | 3066 |
| Census Tract | 809100 |
407 Ocean Rd is owned and occupied by two individuals who bought it in September 2020.
Source: Monmouth County and Spring Lake Borough records, as of August 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 407 OCEAN RD, SPRING LAKE, NJ 07762-1027 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 25, 2020 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TR |
| Sep 15, 2020 | Quit Claim Deed, Transfer M&T BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 15, 2020 · Amount on File |
| Deed Sale | Sep 15, 2020 · Amount on File |
| Prior Sale | Aug 10, 1994 · Amount on File |
| Deed Document Number | 2020104663 |
| Deed Book / Page | 9441 / 1585 |
| Prior Transfer Date | Aug 10, 2020 |
| Prior Transfer Doc | 0000104663 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 407 OCEAN RD, SPRING LAKE, NJ 07762-1027 |
| Document Number | 0000114827 |
| Instrument Date | Aug 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2020 |
| Title Company | LAFAYETTE SETTLEMENT SERVICES, LAFAYETTE SETTLEMENT SVCS |
| Name | Verified Name |
|---|---|
| Address | 95 OLD BRIARCLIFF RD BRIARCLIFF MANOR NY 105101106, BRIARCLIFF MANOR, NY 10510-1106 |
| Document Number | 0000114827 |
|---|---|
| Date | Oct 5, 2020 |
| Book Page | 009446/004585 |
| Instrument | 114827 |
| Name | MANUFACTURERS & TRADERS TR |
|---|---|
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Sep 15, 2020 |
| Property Address | 407 OCEAN RD, SPRING LAKE, NJ 07762-1027 |
| Document Number | 0000104663 |
| Book / Page | 009441 / 001585 |
| Instrument Date | Aug 10, 2020 |
| Instrument | 104663 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2020 |
| Title Company | LAFAYETTE SETTLEMENT SERVICES, LAFAYETTE SETTLEMENT SVCS |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $408.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 407 OCEAN RD SPRING LAKE NJ 077621027, SPRING LAKE, NJ 07762-1027 |
| Document Number | 104664 |
|---|---|
| Date | Sep 15, 2020 |
| Book Page | 009441/001593 |
| Instrument | 104664 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Sep 14, 2035 |
The 2025 property tax bill for 407 Ocean Rd was $6,948, up 2.1% 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 | $1,637,300 (+7.69%) Land $1,159,500 Building $477,800 | $1,637,300 (+7.69%) Land $1,159,500 Building $477,800 | |
| 2025 | $6,948.00 (+2.12%) | $1,520,400 Land $1,062,500 Building $457,900 | $1,520,400 Land $1,062,500 Building $457,900 |
| 2024 | $6,804.00 | ||
| 2023 | $1,199,900 Land $783,800 Building $416,100 | $1,199,900 Land $783,800 Building $416,100 | |
| 2022 | $5,799.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 407 Ocean Rd in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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 407 Ocean Rd 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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