Monmouth County and Spring Lake Borough property record for 421 Atlantic Ave, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 3,691 sqft · built 1995 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $2,200,000 (Apr 2025) |
| Tax Bill | $11,824 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Jan 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 47-00027-0000-00011-01 |
| Primary APN | 47-00027-0000-00011-01 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,691 sqft Living Area |
| 1st Floor Area | 1,434 sqft |
| Upper Floors Area | 1,422 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 150 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 496 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 421 ATLANTIC AVE |
|---|---|
| City | SPRING LAKE |
| State | NJ |
| Zip | 07762-1122 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF05 |
| Legal Block | 27 |
| Legal Lot Number | 11.1 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 4 |
| Census Block | 4026 |
| Census Tract | 809100 |
Source: Monmouth County and Spring Lake Borough records, as of July 27, 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 | 421 ATLANTIC AVE, SPRING LAKE, NJ 07762-1122 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Feb 12, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Jan 23, 2023 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Jun 13, 2019 | Deed of Trust, Mortgage · Line of Credit TD BK NA |
| Jan 31, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MR COOPER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 16, 2025 · Amount on Record |
| Deed Sale | Apr 16, 2025 · Amount on Record |
| Deed Document Number | 202529458 |
| Deed Book / Page | 9733 / 8951 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 421 ATLANTIC AVE, SPRING LAKE, NJ 07762-1122 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2026 |
| Title Company | ASHFORD ABSTRACT |
| Name | Verified Name |
|---|---|
| Address | 293 PROSPECT ST, RIDGEWOOD, NJ 07450-5122 |
| Document Number | 0097798563 |
|---|---|
| Date | Feb 12, 2026 |
| Book Page | 9779/8563 |
| Instrument | 2026013267 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 421 ATLANTIC AVE, SPRING LAKE, NJ 07762-1122 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0096317183 |
|---|---|
| Date | Jan 23, 2023 |
| Book Page | 9631/7183 |
| Instrument | 2023005286 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 20, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 421 ATLANTIC AVE, SPRING LAKE, NJ 07762-1122 |
| Document Number | 0000062333 |
| Instrument Date | Jun 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2019 |
| Title Company | SERVICELINK TITLE COMPANY LLC, SERVICELINK TITLE CO LLC |
| Name | Verified Name |
|---|---|
| Address | 421 ATLANTIC AVE SPRING LAKE NJ 077621122, SPRING LAKE, NJ 07762-1122 |
| Document Number | 0000062333 |
|---|---|
| Date | Jul 15, 2019 |
| Book Page | 009357/006255 |
| Instrument | 62333 |
| Name | TD BK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 14, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 421 ATLANTIC AVE, SPRING LAKE, NJ 07762-1122 |
| Document Number | 0000013422 |
| Instrument Date | Jan 31, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2019 |
| Title Company | TITLE 365- NLSE |
| Name | Verified Name |
|---|---|
| Address | 421 ATLANTIC AVE SPRING LAKE NJ 077621122, SPRING LAKE, NJ 07762-1122 |
| Document Number | 0000013422 |
|---|---|
| Date | Feb 11, 2019 |
| Book Page | 009335/000595 |
| Instrument | 13422 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 10, 2049 |
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 | $2,368,800 (-8.44%) Land $1,856,600 Building $512,200 | $2,368,800 (-8.44%) Land $1,856,600 Building $512,200 | |
| 2025 | $11,824.00 (+13.55%) | $2,587,200 (+28.07%) Land $1,756,600 Building $830,600 | $2,587,200 (+28.07%) Land $1,756,600 Building $830,600 |
| 2024 | $10,413.00 (+10.14%) | ||
| 2023 | $2,020,100 Land $1,265,300 Building $754,800 | $2,020,100 Land $1,265,300 Building $754,800 | |
| 2022 | $9,454.00 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
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 | Direct burnable vegetation |
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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