Monmouth County and Spring Lake Borough property record for 423 Central Ave, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,684 sqft · built 1962 |
| Lot Size | 0.158 acres (6,900 sqft) |
| Owner | Company Name on Record |
| Last Sale | $1,349,000 (Feb 2023) |
| Tax Bill | $6,271 (2025) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage Nov 2019 Line of Credit + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 47-00006-0000-00008 |
| Primary APN | 47-00006-0000-00008 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,684 sqft Living Area |
| 1st Floor Area | 1,056 sqft |
| Upper Floors Area | 1,132 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 6,900 sqft (0.158 acres) |
| Lot Dimensions | 115 ft deep x 60 ft wide |
| Garage Type | Built-in |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 240 sqft |
| Patio Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 423 CENTRAL AVE |
|---|---|
| City | SPRING LAKE |
| State | NJ |
| Zip | 07762-1019 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF05 |
| Legal Subdivision | REIDS VILLA PARK |
| Legal Block | 6 |
| Legal Lot Number | 8 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 3 |
| Census Block | 3065 |
| Census Tract | 809100 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 423 CENTRAL AVE, SPRING LAKE, NJ 07762-1019 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Feb 24, 2023 | Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Nov 14, 2019 | Deed of Trust, Mortgage · Line of Credit QUORUM FCU |
| Nov 14, 2019 | Deed of Trust, Mortgage · Conventional with PMI MNET MTG |
| Nov 9, 2018 | Deed of Trust, Mortgage · Line of Credit TWO RIVER CMNTY BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 24, 2023 · Amount on Record |
| Deed Sale | Feb 24, 2023 · Amount on Record |
| Prior Sale | Oct 31, 2011 · Amount on Record |
| Deed Document Number | 202313294 |
| Deed Book / Page | 9635 / 2799 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Feb 24, 2023 |
| Property Address | 423 CENTRAL AVE, SPRING LAKE, NJ 07762-1019 |
| Document Number | 0096352799 |
| Book / Page | 9635 / 2799 |
| Instrument Date | Feb 10, 2023 |
| Instrument | 2023013294 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2023 |
| Title Company | TRIDENT ABSTRACT TITLE AGENCY LLC, TRIDENT ABSTRACT TTL AGCY LL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $27,287.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1303 1 2 LANGFORD AVENUE, ASBURY PARK, NJ 07712 |
| Name | Verified Name |
|---|---|
| Address | 423 CENTRAL AVE, SPRING LAKE, NJ 07762-1019 |
| Investor | Possibly a Property Investor |
| Document Number | 2023013296 |
|---|---|
| Date | Feb 24, 2023 |
| Instrument | 2023013296 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Type Change Date | Mar 1, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11.5% |
| Index | Other |
| Max Rate | 11.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 423 CENTRAL AVE, SPRING LAKE, NJ 07762-1019 |
| Document Number | 0000112767 |
| Instrument Date | Nov 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2019 |
| Title Company | TRIDENT ABSTRACT TITLE AGENCY LLC, TRIDENT ABS TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Address | 423 CENTRAL AVE SPRING LAKE NJ 077621019, SPRING LAKE, NJ 07762-1019 |
| Document Number | 0000112767 |
|---|---|
| Date | Nov 26, 2019 |
| Book Page | 009381/009934 |
| Instrument | 112767 |
| Name | QUORUM FCU |
|---|---|
| Type | Credit Union |
| Address | PURCHASE, NY 10577 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 25, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 423 CENTRAL AVE, SPRING LAKE, NJ 07762-1019 |
| Document Number | 0000112766 |
| Instrument Date | Nov 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2019 |
| Title Company | TRIDENT ABSTRACT TITLE AGENCY LLC, TRIDENT ABS TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Address | 423 CENTRAL AVE SPRING LAKE NJ 077621019, SPRING LAKE, NJ 07762-1019 |
| Document Number | 0000112766 |
|---|---|
| Date | Nov 26, 2019 |
| Book Page | 009381/009915 |
| Instrument | 112766 |
| Name | MNET MTG |
|---|---|
| Type | Mortgage Company |
| Address | DANVERS, MA 01923 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 25, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 423 CENTRAL AVE, SPRING LAKE, NJ 07762-1019 |
| Document Number | 0000119811 |
| Instrument Date | Nov 9, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2018 |
| Name | Verified Name |
|---|---|
| Address | 423 CENTRAL AVE SPRING LAKE NJ 077621019, SPRING LAKE, NJ 07762-1019 |
| Document Number | 0000119811 |
|---|---|
| Date | Dec 13, 2018 |
| Book Page | 009327/000704 |
| Instrument | 119811 |
| Name | TWO RIVER CMNTY BK |
|---|---|
| Type | Bank |
| Address | MIDDLETOWN, NJ 07748 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
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 | $1,479,500 (+7.82%) Land $1,087,800 Building $391,700 | $1,479,500 (+7.82%) Land $1,087,800 Building $391,700 | |
| 2025 | $6,271.00 (+2.18%) | $1,372,200 (+41.45%) Land $996,800 Building $375,400 | $1,372,200 (+41.45%) Land $996,800 Building $375,400 |
| 2024 | $6,137.00 (+31.3%) | ||
| 2023 | $970,100 Land $735,300 Building $234,800 | $970,100 Land $735,300 Building $234,800 | |
| 2022 | $4,674.00 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 227 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 421 units insured incl. 194 condo units |
| Nearby Flood Claims | 440 (1979–2025) |
| Claims Outside the SFHA | 142 of 440 |
| Most Recent Claim | Jul 2025 · 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 384 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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