Monmouth County and Spring Lake Borough property record for 409 Ludlow Ave, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,310 sqft · built 2018 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $2,150,000 (Jun 2018) |
| Tax Bill | $16,197 (2025) |
| Deeds & Mortgages | Jun 2018 Sale Mar 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 47-00113-0000-00005 |
| Primary APN | 47-00113-0000-00005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,310 sqft Living Area |
| 1st Floor Area | 1,440 sqft |
| Upper Floors Area | 1,510 sqft |
| Basement Area | 1,440 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Colonial |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 7,492 sqft (0.172 acres) |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Area | 252 sqft |
|---|---|
| Porch | Open Porch |
| Deck Area | 90 sqft |
| Patio Area | 396 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 409 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 | 5 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 409 LUDLOW AVE, SPRING LAKE, NJ 07762-1553 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 26, 2018 | Grant Deed, Transfer TRIDENT ABSTRACT TITLE AGENCY LLC |
| Mar 28, 2017 | Deed of Trust, Mortgage MANASQUAN BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 26, 2018 · Amount on Record |
| Deed Sale | Jun 26, 2018 · Amount on Record |
| Prior Sale | Dec 16, 2013 · Amount on Record |
| Deed Document Number | 201862869 |
| Deed Book / Page | 9294 / 3070 |
| Prior Transfer Date | Oct 29, 2013 |
| Prior Transfer Doc | 0000120628 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jun 26, 2018 |
| Property Address | 409 LUDLOW AVE, SPRING LAKE, NJ 07762-1553 |
| Document Number | 0000062869 |
| Book / Page | 009294 / 003070 |
| Instrument Date | Jun 1, 2018 |
| Instrument | 62869 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2018 |
| Title Company | TRIDENT ABSTRACT TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,150.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 409 LUDLOW AVE SPRING LAKE NJ 077621553, SPRING LAKE, NJ 07762-1553 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 409 LUDLOW AVE, SPRING LAKE, NJ 07762-1553 |
| Document Number | 0000033790 |
| Book / Page | 009220 / 000242 |
| Instrument Date | Mar 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2017 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 409 LUDLOW AVE SPRING LAKE NJ 077621553, SPRING LAKE, NJ 07762-1553 |
| Document Number | 0000033790 |
|---|---|
| Date | Mar 30, 2017 |
| Book Page | 009220/000242 |
| Instrument | 33790 |
| Name | MANASQUAN BK |
|---|---|
| Address | 2221 LANDMARK PL, MANASQUAN, NJ 08736-1051 |
| Amount | Amount Recorded |
|---|
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 | $3,777,900 (+6.6%) Land $2,090,000 Building $1,687,900 | $3,777,900 (+6.6%) Land $2,090,000 Building $1,687,900 | |
| 2025 | $16,197.00 (+3.98%) | $3,544,100 (+23.17%) Land $1,865,000 Building $1,679,100 | $3,544,100 (+23.17%) Land $1,865,000 Building $1,679,100 |
| 2024 | $15,577.00 (+12.54%) | ||
| 2023 | $2,877,400 Land $1,465,200 Building $1,412,200 | $2,877,400 Land $1,465,200 Building $1,412,200 | |
| 2022 | $13,841.00 |
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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