422 Ludlow Ave, Spring Lake, NJ 07762 Property Records

Monmouth County and Spring Lake Borough property record for 422 Ludlow Ave, Spring Lake, NJ 07762

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 3,476 sqft · built 1920
Lot Size	0.344 acres (15,002 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,925,000 (Nov 2020)
Tax Bill	$13,556 (2025)
Deeds & Mortgages	Nov 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`47-00116-0000-00014`

Property Details

APN / Parcel Number

Primary APN	`47-00116-0000-00014`
Alternative APN	`470011600014`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,476 sqft Living Area
1st Floor Area	1,408 sqft
Upper Floors Area	1,264 sqft
Attic	Attic
Attic Area	1,152 sqft
Basement Area	1,152 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	15,002 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Pool Area	512 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Hot Water
Sewer	Connected

Location & Zoning

Street Address	422 LUDLOW AVE
City	SPRING LAKE
State	NJ
Zip	07762-1554
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF05
Legal Description	L15
Legal Subdivision	LUDCOW TR
Legal Block	116
Legal Lot Number	14
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	422 LUDLOW AVE, SPRING LAKE, NJ 07762-1554
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2020 · Amount on Record
Deed Sale	Nov 24, 2020 · Amount on Record
Deed Document Number	2020140745
Deed Book / Page	9460 / 1771
Last Transfer Date	May 30, 2024
Transfer Doc	0096912593
Record Updated	Sep 20, 2026

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Nov 25, 2020
Property Address	422 LUDLOW AVE, SPRING LAKE, NJ 07762-1554
Document Number	0000140745
Book / Page	009460 / 001771
Instrument Date	Sep 28, 2020
Instrument	140745
Transaction Type	Transfer
Record Updated	Jan 14, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,925.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 LUDLOW AVE SPRING LAKE NJ 077621554, SPRING LAKE, NJ 07762-1554

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		$3,219,900 (+8.55%) Land $2,530,000 Building $689,900	$3,219,900 (+8.55%) Land $2,530,000 Building $689,900
2025	$13,556.00 (-0.83%)	$2,966,200 (+31.08%) Land $2,305,000 Building $661,200	$2,966,200 (+31.08%) Land $2,305,000 Building $661,200
2024	$13,669.00 (+27.57%)
2023		$2,262,900 Land $1,905,200 Building $357,700	$2,262,900 Land $1,905,200 Building $357,700
2022	$10,715.00

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