421 Spruce Ave, Galloway (Absecon), NJ 08205 Property Records

Atlantic County and Galloway Township property record for 421 Spruce Ave, Galloway, NJ 08205

Property Summary

Property Type	Single Family Home
Details	1,556 sqft · built 1973
Lot Size	0.359 acres (15,625 sqft)
Owner	Individual Name on Record
Last Sale	$164,900 (Jun 2017)
Tax Bill	$4,654 (2025)
Deeds & Mortgages	Sep 2020 Loan Modification Jun 2017 Sale & Mortgage + 1 more
APN	`11-00623-0000-00009`

Property Details

APN / Parcel Number

Primary APN	`11-00623-0000-00009`
Alternative APN	`110062300009`

Interior

Stories	1 Story
Building Area	1,556 sqft Living Area
1st Floor Area	1,556 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Ranch
Construction Type	Frame
Lot Area	15,625 sqft (0.359 acres)
Lot Dimensions	125 ft deep x 125 ft wide

Location & Zoning

Street Address	421 SPRUCE AVE
City	GALLOWAY
State	NJ
Zip	08205-4543
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Subdivision	PINEHURST
Legal Block	623
Legal Lot Number	9
Jurisdiction	ATLANTIC NJ
Township / Civil Division	GALLOWAY
Census Block Group	3
Census Block	3018
Census Tract	10403

Owner

Source: Atlantic County and Galloway Township 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	421 SPRUCE AVE, GALLOWAY, NJ 08205-4543
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2020	Loan Modification, Mortgage · FHA Mortgage PENNYMAC
Jun 12, 2017	Grant Deed, Transfer · FHA Mortgage PROSPERITY HM MTG
Jan 20, 2017	Grant Deed, Transfer ATLANTIC SHORES TITLE, ATLANTIC SHORE TITLE INS AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2017 · Amount on Record
Deed Sale	Jun 12, 2017 · Amount on Record
Prior Sale	Jan 20, 2017 · Amount on Record
Deed Document Number	201732084
Record Updated	Oct 29, 2026

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ATLANTIC NJ
Property Address	421 SPRUCE AVE, GALLOWAY, NJ 08205-4543
Document Number	0000055320
Instrument Date	Sep 18, 2020
Transaction Type	Mortgage
Record Updated	Dec 29, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 SPRUCE AVE MOORPARK CA 93021, MOORPARK, CA 93021

Mortgage

Document Number	0000055320
Date	Oct 27, 2020
Instrument	55320

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 26, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ATLANTIC NJ
Recording Date	Jun 12, 2017
Property Address	421 SPRUCE AVE, GALLOWAY, NJ 08205-4543
Document Number	0000032084
Instrument Date	May 31, 2017
Instrument	32084
Transaction Type	Transfer
Record Updated	Jul 12, 2017
Title Company	SURETY TITLE CORPORATION, SURETY TITLE CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$164.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 SPRUCE AVE GALLOWAY NJ 082054543, GALLOWAY, NJ 08205-4543

Mortgage

Document Number	32085
Date	Jun 12, 2017
Instrument	32085

Lender

Name	PROSPERITY HM MTG
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2047

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ATLANTIC NJ
Recording Date	Jan 20, 2017
Property Address	421 SPRUCE AVE, GALLOWAY, NJ 08205-4543
Document Number	0000004019
Instrument Date	Nov 16, 2016
Instrument	4019
Transaction Type	Transfer
Record Updated	Apr 5, 2017
Title Company	ATLANTIC SHORES TITLE, ATLANTIC SHORE TITLE INS AGCY

Transaction

Amount	Amount Recorded
Tax	$78.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 LONGFELLOW CT GALLOWAY NJ 082054031, GALLOWAY, NJ 08205-4031

Tax Assessment & Valuation

Source: Atlantic County and Galloway Township assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Atlantic County
County Subdivision	Galloway Township
Elementary School District	Galloway Township School District (KG - 08)
Secondary School District	Greater Egg Harbor Regional School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$137,300 (-) Land $47,900 Building $89,400	$137,300 (-) Land $47,900 Building $89,400
2025	$4,654.00 (+1.55%)	$137,300 (-) Land $47,900 Building $89,400	$137,300 (-) Land $47,900 Building $89,400
2024	$4,583.00 (+3.97%)
2023		$137,300 Land $47,900 Building $89,400	$137,300 Land $47,900 Building $89,400
2022	$4,408.00

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 August 27, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1992–2012)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Oct 2012 · Hurricane Sandy

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	Low lower than 66% of the US · above 52% of New Jersey
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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	NJ AMERICAN WATER - ATLANTIC COUNTY private · serves 120,146 people · EPA ID NJ0119002
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 331 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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