Monmouth County and Spring Lake Borough property record for 409 Ocean Rd, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3.5 ba · 2,568 sqft · built 2018 |
| Lot Size | 0.187 acres (8,160 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,725,000 (Mar 2018) |
| Tax Bill | $11,239 (2025) |
| Deeds & Mortgages | Mar 2018 Sale & Mortgage Feb 2017 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 47-00011-0000-00005 |
| Primary APN | 47-00011-0000-00005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,568 sqft Living Area |
| 1st Floor Area | 1,032 sqft |
| Upper Floors Area | 1,032 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Colonial |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 8,160 sqft (0.187 acres) |
| Lot Dimensions | 136 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Patio Area | 438 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 409 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 | 5 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 3 |
| Census Block | 3066 |
| Census Tract | 809100 |
409 Ocean Rd is owned and occupied by an individual who bought it in March 2018.
Source: Monmouth County and Spring Lake Borough records, as of July 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 409 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 |
|---|---|
| Mar 1, 2018 | Grant Deed, Transfer WELLS FARGO BK NW NA |
| Feb 3, 2017 | Deed of Trust, Mortgage OCEANFIRST BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 1, 2018 · Amount on File |
| Deed Sale | Mar 1, 2018 · Amount on File |
| Prior Sale | Nov 30, 2015 · Amount on File |
| Deed Document Number | 201822722 |
| Deed Book / Page | 9276 / 3759 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Mar 1, 2018 |
| Property Address | 409 OCEAN RD, SPRING LAKE, NJ 07762-1027 |
| Document Number | 0000022722 |
| Book / Page | 009276 / 003759 |
| Instrument Date | Feb 10, 2018 |
| Instrument | 22722 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2018 |
| Title Company | SIMPLICITY TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,725.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 409 OCEAN RD SPRING LAKE NJ 077621027, SPRING LAKE, NJ 07762-1027 |
| Document Number | 22723 |
|---|---|
| Date | Mar 1, 2018 |
| Book Page | 009276/003795 |
| Instrument | 22723 |
| Name | WELLS FARGO BK NW NA |
|---|---|
| Type | Bank |
| Address | 101 N PHILLIPS AVE, SIOUX FALLS, SD 57104-6738 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Feb 29, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 409 OCEAN RD, SPRING LAKE, NJ 07762-1027 |
| Document Number | 0000016990 |
| Book / Page | 009213 / 000984 |
| Instrument Date | Feb 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2017 |
| Title Company | PROPERTY TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 409 OCEAN RD SPRING LAKE NJ 077621027, SPRING LAKE, NJ 07762-1027 |
| Document Number | 0000016990 |
|---|---|
| Date | Feb 14, 2017 |
| Book Page | 009213/000984 |
| Instrument | 16990 |
| Name | OCEANFIRST BK |
|---|---|
| Type | Bank |
| Address | TOMS RIVER, NJ 08753 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Feb 13, 2047 |
The 2025 property tax bill for 409 Ocean Rd was $11,239, down 4.9% 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 | $2,573,900 (+4.66%) Land $1,159,500 Building $1,414,400 | $2,573,900 (+4.66%) Land $1,159,500 Building $1,414,400 | |
| 2025 | $11,239.00 (-4.93%) | $2,459,300 Land $1,062,500 Building $1,396,800 | $2,459,300 Land $1,062,500 Building $1,396,800 |
| 2024 | $11,822.00 | ||
| 2023 | $2,180,900 Land $783,800 Building $1,397,100 | $2,180,900 Land $783,800 Building $1,397,100 | |
| 2022 | $10,628.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 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 409 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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