Monmouth County and Spring Lake Borough property record for 415 Atlantic Ave, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,085 sqft · built 1970 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $825,700 (Jul 2012) |
| Tax Bill | $9,464 (2025) |
| Deeds & Mortgages | Jan 2023 Line of Credit Feb 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 47-00027-0000-00008 |
| Primary APN | 47-00027-0000-00008 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,085 sqft Living Area |
| 1st Floor Area | 1,689 sqft |
| Upper Floors Area | 682 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Colonial |
| Exterior Material | Wood Shingle |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 7,501 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Built-in |
| Garage Area | 286 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Patio Area | 96 sqft |
| Sewer | Connected |
|---|
| Street Address | 415 ATLANTIC AVE |
|---|---|
| City | SPRING LAKE |
| State | NJ |
| Zip | 07762-1122 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF05 |
| Legal Subdivision | SPRING LAKE BEACH |
| Legal Block | 27 |
| Legal Lot Number | 8 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 4 |
| Census Block | 4026 |
| Census Tract | 809100 |
415 Atlantic Ave is owned and occupied by two individuals who bought it in July 2012.
Source: Monmouth County and Spring Lake Borough records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 415 ATLANTIC AVE, SPRING LAKE, NJ 07762-1122 |
| 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 |
|---|---|
| Jan 27, 2023 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Feb 22, 2022 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Oct 5, 2019 | Deed of Trust, Mortgage · Line of Credit TD BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 26, 2012 · Amount on File |
| Deed Sale | Jul 26, 2012 · Amount on File |
| Prior Sale | Aug 28, 2000 · Amount on File |
| Deed Document Number | 201277749 |
| Deed Book / Page | 8961 / 3947 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 415 ATLANTIC AVE, SPRING LAKE, NJ 07762-1122 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0096324095 |
|---|---|
| Date | Jan 27, 2023 |
| Book Page | 9632/4095 |
| Instrument | 2023006644 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 10, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 415 ATLANTIC AVE, SPRING LAKE, NJ 07762-1122 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2022 |
| Title Company | SERVICELINK TITLE COMPANY D, SERVICELINK TITLE ONLY |
| Name | Verified Name |
|---|
| Document Number | 0095799791 |
|---|---|
| Date | Feb 22, 2022 |
| Book Page | 9579/9791 |
| Instrument | 2022020910 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jan 26, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 415 ATLANTIC AVE, SPRING LAKE, NJ 07762-1122 |
| Document Number | 0000105118 |
| Instrument Date | Oct 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2019 |
| Title Company | SERVICELINK TITLE COMPANY LLC, SERVICELINK TITLE CO LLC |
| Name | Verified Name |
|---|---|
| Address | 415 ATLANTIC AVE SPRING LAKE NJ 077621122, SPRING LAKE, NJ 07762-1122 |
| Document Number | 0000105118 |
|---|---|
| Date | Nov 8, 2019 |
| Book Page | 009378/001615 |
| Instrument | 105118 |
| Name | TD BK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 7, 2049 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 415 Atlantic Ave was $9,464, up 17.1% 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 | $2,182,300 (+5.38%) Land $1,909,000 Building $273,300 | $2,182,300 (+5.38%) Land $1,909,000 Building $273,300 | |
| 2025 | $9,464.00 (+17.11%) | $2,070,900 Land $1,809,000 Building $261,900 | $2,070,900 Land $1,809,000 Building $261,900 |
| 2024 | $8,081.00 | ||
| 2023 | $1,555,700 Land $1,317,700 Building $238,000 | $1,555,700 Land $1,317,700 Building $238,000 | |
| 2022 | $7,148.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 415 Atlantic Ave in Zone X, an area of minimal flood risk, within 500 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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 63 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 63 in force |
| Nearby Flood Claims | 21 (1979–2012) |
| Claims Outside the SFHA | 16 of 21 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
| 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.
Wildfire risk around 415 Atlantic Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 94% 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 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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