421 Jersey Ave, Spring Lake, NJ 07762 Property Records

Monmouth County and Spring Lake Borough property record for 421 Jersey Ave, Spring Lake, NJ 07762

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,072 sqft · built 1925
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on File
Last Sale	$256,000 (Jul 1989)
Tax Bill	$11,093 (2025)
Deeds & Mortgages	Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`47-00073-0000-00011`

Property Details

APN / Parcel Number

Primary APN	`47-00073-0000-00011`
Alternative APN	`470007300011`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,072 sqft Living Area
1st Floor Area	1,500 sqft
Upper Floors Area	572 sqft
Basement Area	572 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	7,492 sqft (0.172 acres)
Garage Type	Detached
Garage Area	228 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Deck Area	456 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Connected

Location & Zoning

Street Address	421 JERSEY AVE
City	SPRING LAKE
State	NJ
Zip	07762-1436
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF05
Legal Block	73
Legal Lot Number	11
Jurisdiction	MONMOUTH NJ
Township / Civil Division	SPRING LAKE
Census Block Group	4
Census Block	4007
Census Tract	809100

Owner

421 Jersey Ave is owned and occupied by two individuals who bought it in July 1989.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	421 JERSEY AVE, SPRING LAKE, NJ 07762-1436
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 1989 · Amount on File
Deed Sale	Jul 25, 1989 · Amount on File
Deed Book / Page	4964 / 492
Record Updated	Sep 20, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	421 JERSEY AVE, SPRING LAKE, NJ 07762-1436
Document Number	0000061202
Book / Page	009232 / 009904
Instrument Date	Jun 15, 2017
Transaction Type	Mortgage
Record Updated	Jul 26, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	199 BOWERY #2B NEW YORK NY 100022854, 2B, NEW YORK, NY 10002-2854

Mortgage

Document Number	0000061202
Date	Jun 28, 2017
Book Page	009232/009904
Instrument	61202

Lender

Name	OCEANFIRST BK
Type	Bank
Address	TOMS RIVER, NJ 08754-2009

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 27, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 421 Jersey Ave was $11,093, up 5.2% from the year before.

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		$2,592,700 (+6.81%) Land $2,223,300 Building $369,400	$2,592,700 (+6.81%) Land $2,223,300 Building $369,400
2025	$11,093.00 (+5.18%)	$2,427,300 Land $2,073,300 Building $354,000	$2,427,300 Land $2,073,300 Building $354,000
2024	$10,547.00
2023		$1,708,200 Land $1,480,000 Building $228,200	$1,708,200 Land $1,480,000 Building $228,200
2022	$8,625.00

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

Flood

FEMA maps place 421 Jersey Ave in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1979.

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 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	Hurricane Sandy, Oct 2012 · 5 claims Hurricane Irene, Sep 2011 · 8 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

The area around 421 Jersey Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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 473 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
T-Mobile Fixed Wireless	100 / 20