Monmouth County and Spring Lake Borough property record for 41 Ludlow Ave, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 7 bd · 4 ba · 4,676 sqft · built 1920 |
| Lot Size | 0.31 acres (13,499 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $25,490 (2025) |
| Deeds & Mortgages | Dec 2021 Transfer Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 47-00109-0000-00011 |
| Primary APN | 47-00109-0000-00011 |
|---|---|
| Alternative APN |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 4,676 sqft Living Area |
| 1st Floor Area | 2,274 sqft |
| Upper Floors Area | 2,024 sqft |
| Basement Area | 2,250 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Colonial |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Slate |
| Lot Area | 13,499 sqft (0.31 acres) |
| Lot Dimensions | 150 ft deep x 90 ft wide |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 160 sqft |
|---|---|
| Porch | Open Porch |
| Deck Area | 124 sqft |
| Patio Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 41 LUDLOW AVE |
|---|---|
| City | SPRING LAKE |
| State | NJ |
| Zip | 07762-1562 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF10 |
| Legal Description | L12 |
| Legal Subdivision | BOROUGH SPGS |
| Legal Block | 109 |
| Legal Lot Number | 11 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 2 |
| Census Block | 2030 |
| 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 | Company Name on Record |
|---|---|
| Mailing Address | 41 LUDLOW AVE, SPRING LAKE, NJ 07762-1562 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Dec 20, 2021 | Intrafamily Transfer, Transfer REAL PROPERTY TITLE, REAL PROP TTL ADVISORS LLC |
| Oct 19, 2020 | Deed of Trust, Mortgage MORGAN STANLEY PVT BK NA |
| Nov 13, 2017 | Grant Deed, Subdivision Related Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 13, 2017 |
| Deed Sale | Nov 13, 2017 |
| Prior Sale | Jul 18, 2013 · Amount on Record |
| Deed Document Number | 2017110944 |
| Last Transfer Date | Dec 7, 2021 |
| Transfer Doc | 0095664673 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Dec 20, 2021 |
| Property Address | 41 LUDLOW AVE, SPRING LAKE, NJ 07762-1562 |
| Document Number | 0095664673 |
| Book / Page | 9566 / 4673 |
| Instrument Date | Dec 7, 2021 |
| Instrument | 2021181109 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2022 |
| Title Company | REAL PROPERTY TITLE, REAL PROP TTL ADVISORS LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 41 LUDLOW AVE, SPRING LAKE, NJ 07762-1562 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 41 LUDLOW AVE, SPRING LAKE, NJ 07762-1562 |
| Document Number | 0000142207 |
| Instrument Date | Oct 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 6, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 41 LUDLOW AVE SPRING LAKE NJ 077621562, SPRING LAKE, NJ 07762-1562 |
| Document Number | 0000142207 |
|---|---|
| Date | Nov 30, 2020 |
| Book Page | 009460/008644 |
| Instrument | 142207 |
| Name | MORGAN STANLEY PVT BK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45245 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 29, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Nov 13, 2017 |
| Property Address | 41 LUDLOW AVE, SPRING LAKE, NJ 07762-1562 |
| Document Number | 0000110944 |
| Book / Page | 009258 / 004156 |
| Instrument Date | Sep 15, 2017 |
| Instrument | 110944 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 41 LUDLOW AVE SPRING LAKE NJ 077621562, SPRING LAKE, NJ 07762-1562 |
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 | $6,118,000 (+9.69%) Land $5,153,700 Building $964,300 | $6,118,000 (+9.69%) Land $5,153,700 Building $964,300 | |
| 2025 | $25,490.00 (+2.94%) | $5,577,700 (+12.95%) Land $4,653,700 Building $924,000 | $5,577,700 (+12.95%) Land $4,653,700 Building $924,000 |
| 2024 | $24,763.00 (+4.39%) | ||
| 2023 | $4,938,400 Land $4,342,200 Building $596,200 | $4,938,400 Land $4,342,200 Building $596,200 | |
| 2022 | $23,722.00 |
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 111 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 111 in force |
| Nearby Flood Claims | 41 (1992–2021) |
| Claims Outside the SFHA | 16 of 41 |
| Most Recent Claim | Jul 2021 · 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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