416 Ludlow Ave, Spring Lake, NJ 07762 Property Records

Monmouth County and Spring Lake Borough property record for 416 Ludlow Ave, Spring Lake, NJ 07762

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 714 sqft · built 1925
Lot Size	0.103 acres (4,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$730,000 (Oct 2021)
Tax Bill	$4,594 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`47-00116-0000-00018`

Property Details

APN / Parcel Number

Primary APN	`47-00116-0000-00018`
Alternative APN	`470011600018`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	714 sqft Living Area
1st Floor Area	714 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Ranch
Exterior Material	Asbestos
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	4,500 sqft (0.103 acres)
Lot Dimensions	150 ft deep x 30 ft wide
Porch	Porch
Patio Area	120 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	416 LUDLOW AVE
City	SPRING LAKE
State	NJ
Zip	07762-1554
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF05
Legal Block	116
Legal Lot Number	18
Jurisdiction	MONMOUTH NJ
Township / Civil Division	SPRING LAKE
Census Block Group	1
Census Block	1010
Census Tract	809100

Owner

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	2017 5TH AVE, SPRING LAKE, NJ 07762-1639
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2021 · Amount on Record
Deed Sale	Oct 27, 2021 · Amount on Record
Deed Document Number	2021158748
Deed Book / Page	9554 / 5050
Prior Transfer Date	Sep 27, 2021
Prior Transfer Doc	0095545101
Record Updated	Sep 20, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Oct 27, 2021
Property Address	416 LUDLOW AVE, SPRING LAKE, NJ 07762-1554
Document Number	0095545050
Book / Page	9554 / 5050
Instrument Date	Sep 27, 2021
Instrument	2021158748
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,563.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 SPARTA MT RD, 200, OAK RIDGE, NJ 07438-9505

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	32 CAIN CT, BRIDGEWATER, NJ 08807-3702

Mortgage

Document Number	0095545101
Date	Oct 27, 2021
Book Page	9554/5101
Instrument	2021158749

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

Source: Monmouth County and Spring Lake Borough assessment roll, as of July 9, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,133,900 (+12.79%) Land $1,071,800 Building $62,100	$1,133,900 (+12.79%) Land $1,071,800 Building $62,100
2025	$4,594.00 (+5.83%)	$1,005,300 (+37.02%) Land $945,800 Building $59,500	$1,005,300 (+37.02%) Land $945,800 Building $59,500
2024	$4,341.00 (-11.5%)
2023		$733,700 Land $722,000 Building $11,700	$733,700 Land $722,000 Building $11,700
2022	$4,905.00

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 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	Hurricane Sandy, Oct 2012 · 3 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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