415 Prospect Ave, Union Beach (Keyport), NJ 07735 Property Records

Monmouth County and Union Beach Borough property record for 415 Prospect Ave, Union Beach, NJ 07735

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 962 sqft · built 2013
Lot Size	0.171 acres (7,440 sqft)
Owner	Individual Name on Record
Last Sale	$292,500 (Jan 2021)
Tax Bill	$9,093 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Feb 2024 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`50-00152-0000-00007`

Property Details

APN / Parcel Number

Primary APN	`50-00152-0000-00007`
Alternative APNs	`500015200007` `1441`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	962 sqft Living Area
1st Floor Area	962 sqft
Basement Area	962 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Other
Lot Area	7,440 sqft (0.171 acres)
Lot Dimensions	186 ft deep x 40 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space
Deck Area	232 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	1441
Street Address	415 PROSPECT AVE
City	UNION BEACH
State	NJ
Zip	07735-2931
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Subdivision	TOWNSHIP/UNION BEACH
Legal Block	152
Legal Lot Number	7
Jurisdiction	MONMOUTH NJ
Township / Civil Division	UNION BEACH
Census Block Group	6
Census Block	6000
Census Tract	801800

Owner

Source: Monmouth County and Union Beach 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	Individual Name on Record
Mailing Address	2302 TIMBER RIDGE CT, PARLIN, NJ 08859-3134
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Feb 26, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 13, 2021	Grant Deed, Transfer · FHA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 13, 2021 · Amount on Record
Deed Sale	Jan 13, 2021 · Amount on Record
Prior Sale	Jun 16, 2000 · Amount on Record
Deed Document Number	20217298
Deed Book / Page	9472 / 9280
Prior Transfer Date	May 2, 2000
Prior Transfer Doc	5945000778
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Recording Date	Jun 16, 2026
Property Address	415 PROSPECT AVE, UNION BEACH, NJ 07735-2931
Document Number	0000048945
Book / Page	9798 / 2688
Instrument Date	May 20, 2026
Instrument	202648945
Transaction Type	Mortgage
Record Updated	Jul 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 PROSPECT AVE, UNION BEACH, NJ 07735-2931

Mortgage

Document Number	0000048945,
Date	Jun 16, 2026
Book Page	9798/2688
Instrument	202648945

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	295 Months
Due	Jan 1, 2051

Interest

Rate	6.23%
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	415 PROSPECT AVE, UNION BEACH, NJ 07735-2931
Transaction Type	Mortgage
Record Updated	Mar 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 PROSPECT AVE, UNION BEACH, NJ 07735-2931

Mortgage

Document Number	0096787836
Date	Feb 26, 2024
Book Page	9678/7836
Instrument	2024012517

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CORAOPOLIS, PA 15108

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	323 Months
Due	Jan 1, 2051

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Jan 13, 2021
Property Address	415 PROSPECT AVE, UNION BEACH, NJ 07735-2931
Document Number	0000007298
Book / Page	009472 / 009280
Instrument Date	Dec 30, 2020
Instrument	7298
Transaction Type	Transfer
Record Updated	Feb 19, 2021
Title Company	CENTURION LAND TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$293.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2302 TIMBER RIDGE CT PARLIN NJ 088593134, PARLIN, NJ 08859-3134

Mortgage

Document Number	7299
Date	Jan 13, 2021
Book Page	009472/009295
Instrument	7299

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 12, 2051

Tax Assessment & Valuation

Source: Monmouth County and Union Beach Borough assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
Municipality	Union Beach Borough
Unified School District	Union Beach Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$442,000 (+4.27%) Land $186,800 Building $255,200	$442,000 (+4.27%) Land $186,800 Building $255,200
2025	$9,093.00 (+15.26%)	$423,900 (+18.05%) Land $177,800 Building $246,100	$423,900 (+18.05%) Land $177,800 Building $246,100
2024	$7,889.00 (+9.94%)
2023		$359,100 Land $126,800 Building $232,300	$359,100 Land $126,800 Building $232,300
2022	$7,176.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	12.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 227 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	235 units insured incl. 8 condo units
Nearby Flood Claims	309 (1978–2012)
Claims Outside the SFHA	27 of 309
Most Recent Claim	Nov 2012 · Hurricane Sandy
Claims by Event	Hurricane Sandy, Nov 2012 · 231 claims Severe Storms And Flooding, Mar 2010 · 12 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 37 claims

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 677 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
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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