Monmouth County and Spring Lake Borough property record for 409 Saint Clair Ave, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,878 sqft · built 1920 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $2,050,000 (Jun 2020) |
| Tax Bill | $13,507 (2025) |
| Deeds & Mortgages | Jun 2020 Sale & Mortgage Nov 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 47-00100-0000-00005 |
| Primary APN | 47-00100-0000-00005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,878 sqft Living Area |
| 1st Floor Area | 1,516 sqft |
| Upper Floors Area | 1,362 sqft |
| Basement Area | 1,502 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Shingle |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 7,492 sqft (0.172 acres) |
| Garage Type | Built-in |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
| Porch | Open Porch |
| Deck Area | 531 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 409 SAINT CLAIR AVE |
|---|---|
| City | SPRING LAKE |
| State | NJ |
| Zip | 07762-1529 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF10 |
| Legal Subdivision | BRINGTON |
| Legal Block | 100 |
| Legal Lot Number | 5 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 1 |
| Census Block | 1018 |
| 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 SAINT CLAIR AVE, SPRING LAKE, NJ 07762-1529 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 29, 2020 | Grant Deed, Transfer BANK OF AMERICA |
| Nov 20, 2018 | Grant Deed, Transfer · Line of Credit LOAN FUNDER LLC SERIES 5207 |
| Nov 20, 2018 | Grant Deed, Construction Loan · Line of Credit LOAN FUNDER LLC SERIES 5207 |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 2020 · Amount on Record |
| Deed Sale | Jun 29, 2020 · Amount on Record |
| Prior Sale | Nov 20, 2018 · Amount on Record |
| Deed Document Number | 202069266 |
| Deed Book / Page | 9423 / 7776 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jun 29, 2020 |
| Property Address | 409 SAINT CLAIR AVE, SPRING LAKE, NJ 07762-1529 |
| Document Number | 0000069266 |
| Book / Page | 009423 / 007776 |
| Instrument Date | Jun 5, 2020 |
| Instrument | 69266 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,050.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 409 SAINT CLAIR AVE SPRING LAKE NJ 077621529, SPRING LAKE, NJ 07762-1529 |
| Document Number | 69267 |
|---|---|
| Date | Jun 29, 2020 |
| Book Page | 009423/007808 |
| Instrument | 69267 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | 101 S TRYON ST, CHARLOTTE, NC 28280-0002 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 28, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Nov 20, 2018 |
| Property Address | 409 SAINT CLAIR AVE, SPRING LAKE, NJ 07762-1529 |
| Document Number | 0000112051 |
| Book / Page | 009321 / 005097 |
| Instrument Date | Oct 31, 2018 |
| Instrument | 112051 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2020 |
| Title Company | MADISON TITLE AGENCY LLC, MADISON TITLE AGCY LLC |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 31 MEADOW RUN CT JACKSON NJ 085274070, JACKSON, NJ 08527-4070 |
| Document Number | 112052 |
|---|---|
| Date | Nov 20, 2018 |
| Book Page | 009321/005151 |
| Instrument | 112052 |
| Name | LOAN FUNDER LLC SERIES 5207 |
|---|---|
| Address | 40 W 57TH ST 20TH # 2040, NEW YORK, NY 10019 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Nov 19, 2019 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Nov 20, 2018 |
| Property Address | 409 SAINT CLAIR AVE, SPRING LAKE, NJ 07762-1529 |
| Document Number | 0000112050 |
| Book / Page | 009321 / 005075 |
| Instrument Date | Oct 30, 2018 |
| Instrument | 112050 |
| Transaction Type | Construction Loan |
| Record Updated | Jun 1, 2020 |
| Title Company | MADISON TITLE AGENCY LLC, MADISON TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,015.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 31 MEADOW RUN CT JACKSON NJ 085274070, JACKSON, NJ 08527-4070 |
| Document Number | 112052 |
|---|---|
| Date | Nov 20, 2018 |
| Book Page | 009321/005151 |
| Instrument | 112052 |
| Name | LOAN FUNDER LLC SERIES 5207 |
|---|---|
| Address | 40 W 57TH ST 20TH # 2040, NEW YORK, NY 10019 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Nov 19, 2019 |
| Rate Type | Adjustable Rate |
|---|
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 | $3,228,000 (+9.22%) Land $2,090,000 Building $1,138,000 | $3,228,000 (+9.22%) Land $2,090,000 Building $1,138,000 | |
| 2025 | $13,507.00 (+1.95%) | $2,955,500 (+15.94%) Land $1,865,000 Building $1,090,500 | $2,955,500 (+15.94%) Land $1,865,000 Building $1,090,500 |
| 2024 | $13,249.00 (+7.31%) | ||
| 2023 | $2,549,200 Land $1,491,400 Building $1,057,800 | $2,549,200 Land $1,491,400 Building $1,057,800 | |
| 2022 | $12,346.00 |
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 | Low lower than 99.1% of the US · lower than 97.3% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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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