Monmouth County and Spring Lake Borough property record for 420 Ludlow Ave, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 4,114 sqft · built 2022 |
| Lot Size | 0.165 acres (7,200 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $4,900,000 (May 2026) |
| Tax Bill | $19,512 (2025) |
| Deeds & Mortgages | May 2026 Sale Mar 2026 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 47-00116-0000-00016 |
| Primary APN | 47-00116-0000-00016 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 4,114 sqft Living Area |
| 1st Floor Area | 4,114 sqft |
| Basement Area | 864 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 7,200 sqft (0.165 acres) |
| Lot Dimensions | 150 ft deep x 48 ft wide |
| Garage Type | Detached |
| Garage Area | 221 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Deck Area | 280 sqft |
| Patio Area | 175 sqft |
| Sewer | Connected |
|---|
| Street Address | 420 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 | 16 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 1 |
| Census Block | 1010 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 130 WILLIAM ST, 43A, NEW YORK, NY 10038-3870 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 21, 2026 | Deed, Transfer JERSEY SHR TITLE SERVICES LLC, JERSEY SHORE TITLE SERVICES |
| Mar 12, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MANASQUAN BANK |
| Sep 5, 2023 | Deed, Subdivision Related Transfer TRIDENT ABSTRACT TITLE AGENCY LLC, TRIDENT ABSTRACT TTL AGCY LL |
| Jul 7, 2022 | Deed of Trust, Mortgage · Construction Mortgage VAST BANK NA |
| Sep 21, 2021 | Deed, Transfer · Line of Credit BD CAPITAL LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 21, 2026 · Amount on Record |
| Deed Sale | May 21, 2026 · Amount on Record |
| Prior Sale | Sep 5, 2023 · Amount on Record |
| Deed Document Number | 202641432 |
| Deed Book / Page | 9794 / 3953 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | May 21, 2026 |
| Property Address | 420 LUDLOW AVE, SPRING LAKE, NJ 07762-1554 |
| Document Number | 0000041432 |
| Book / Page | 9794 / 3953 |
| Instrument Date | May 19, 2026 |
| Instrument | 202641432 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2026 |
| Title Company | JERSEY SHR TITLE SERVICES LLC, JERSEY SHORE TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,732,150.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 130 WILLIAM ST, 43A, NEW YORK, NY 10038-3870 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 420 LUDLOW AVE, SPRING LAKE, NJ 07762-1554 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2026 |
| Title Company | OCEANVIEW TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 420 LUDLOW AVE, SPRING LAKE, NJ 07762-1554 |
| Document Number | 0097839555 |
|---|---|
| Date | Mar 12, 2026 |
| Book Page | 9783/9555 |
| Instrument | 2026021280 |
| Name | MANASQUAN BANK |
|---|---|
| Type | Bank |
| Address | MANASQUAN, NJ 08736 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Type Change Date | Apr 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11.5% |
| Index | SOFR Average 30-Day |
| Max Rate | 11.5% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Sep 5, 2023 |
| Property Address | 420 LUDLOW AVE, SPRING LAKE, NJ 07762-1554 |
| Document Number | 0096584580 |
| Book / Page | 9658 / 4580 |
| Instrument Date | Jul 19, 2023 |
| Instrument | 2023061238 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 2, 2023 |
| Title Company | TRIDENT ABSTRACT TITLE AGENCY LLC, TRIDENT ABSTRACT TTL AGCY LL |
| Amount | Amount Recorded |
|---|---|
| Tax | $93,985.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 35 MOHEGAN TRL, SADDLE RIVER, NJ 07458-2919 |
| Name | Verified Name |
|---|---|
| Address | 420 LUDLOW AVE, SPRING LAKE, NJ 07762-1554 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 420 LUDLOW AVE, SPRING LAKE, NJ 07762-1554 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Title Company | RESIDENTIAL COMMERCIAL TITLE AGENCY LLC, RESIDENTIAL COM TTL AGCY LLC |
| Name | Verified Name |
|---|---|
| Address | 35 MOHEGAN TRL, SADDLE RIVER, NJ 07458-2919 |
| Document Number | 0096038679 |
|---|---|
| Date | Jul 7, 2022 |
| Book Page | 9603/8679 |
| Instrument | 2022070119 |
| Name | VAST BANK NA |
|---|---|
| Type | Bank |
| Address | WAYNE, NJ 07470 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Sep 21, 2021 |
| Property Address | 420 LUDLOW AVE, SPRING LAKE, NJ 07762-1554 |
| Document Number | 0095452107 |
| Book / Page | 9545 / 2107 |
| Instrument Date | Jun 10, 2021 |
| Instrument | 2021141767 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Title Company | OLD SCHOOL TITLE SERVICES LLC, OLDE SCHOOL TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $22,890.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 31 UPPER LAKEVIEW AVE, RINGWOOD, NJ 07456-2810 |
| Name | Verified Name |
|---|---|
| Address | 420 LUDLOW AVE, SPRING LAKE, NJ 07762-1554 |
| Document Number | 2021141768 |
|---|---|
| Date | Sep 21, 2021 |
| Instrument | 2021141768 |
| Name | BD CAPITAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
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 | $4,529,400 (+6.09%) Land $2,072,400 Building $2,457,000 | $4,529,400 (+6.09%) Land $2,072,400 Building $2,457,000 | |
| 2025 | $19,512.00 (+3.07%) | $4,269,500 (+177.17%) Land $1,847,400 Building $2,422,100 | $4,269,500 (+177.17%) Land $1,847,400 Building $2,422,100 |
| 2024 | $18,931.00 (+160.76%) | ||
| 2023 | $1,540,400 (+9.69%) Land $1,447,600 Building $92,800 | $1,540,400 (+9.69%) Land $1,447,600 Building $92,800 | |
| 2022 | $7,260.00 (+8.41%) | $1,404,300 Land $1,316,000 Building $88,300 | $1,404,300 Land $1,316,000 Building $88,300 |
| 2021 | $6,697.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 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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