440 Prospect Ave, Little Silver, NJ 07739 Property Records

Monmouth County and Little Silver Borough property record for 440 Prospect Ave, Little Silver, NJ 07739

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,824 sqft · built 1954
Lot Size	0.373 acres (16,250 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Jul 2004)
Tax Bill	$12,216 (2025)
Deeds & Mortgages	Feb 2026 Second Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-00037-0000-00029`

Property Details

APN / Parcel Number

Primary APN	`25-00037-0000-00029`
Alternative APN	`250003700029`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,824 sqft Living Area
1st Floor Area	1,080 sqft
Upper Floors Area	528 sqft
Basement Area	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Other
Lot Area	16,250 sqft (0.373 acres)
Lot Dimensions	248 ft deep x 40 ft wide
Patio Area	416 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	440 PROSPECT AVE
City	LITTLE SILVER
State	NJ
Zip	07739-1430
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Block	37
Legal Lot Number	29
Jurisdiction	MONMOUTH NJ
Township / Civil Division	LITTLE SILVER
Census Block Group	4
Census Block	4000
Census Tract	804200

Owner

440 Prospect Ave is owned and occupied by two individuals who bought it in July 2004.

Source: Monmouth County and Little Silver Borough records, as of July 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	440 PROSPECT AVE, LITTLE SILVER, NJ 07739-1430
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOANDEPOT.COM LLC
Apr 27, 2020	Deed of Trust, Mortgage LOANDEPOT.COM LLC
Oct 8, 2019	Deed of Trust, Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2004 · Amount on File
Deed Sale	Jul 16, 2004 · Amount on File
Prior Sale	Sep 5, 2002 · Amount on File
Deed Book / Page	8382 / 4993
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	440 PROSPECT AVE, LITTLE SILVER, NJ 07739-1430
Transaction Type	Mortgage
Record Updated	Mar 16, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0097808911
Date	Feb 20, 2026
Book Page	9780/8911
Instrument	2026015382

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2046

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	440 PROSPECT AVE, LITTLE SILVER, NJ 07739-1430
Document Number	0000046963
Instrument Date	Apr 27, 2020
Transaction Type	Mortgage
Record Updated	Jul 17, 2020
Title Company	RMS TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	440 PROSPECT AVE LITTLE SILVER NJ 077391430, LITTLE SILVER, NJ 07739-1430

Mortgage

Document Number	0000046963
Date	May 4, 2020
Book Page	009411/008510
Instrument	46963

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 3, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	440 PROSPECT AVE, LITTLE SILVER, NJ 07739-1430
Document Number	0000099816
Instrument Date	Oct 8, 2019
Transaction Type	Mortgage
Record Updated	Nov 14, 2019
Title Company	RMS TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	440 PROSPECT AVE LITTLE SILVER NJ 077391430, LITTLE SILVER, NJ 07739-1430

Mortgage

Document Number	0000099816
Date	Oct 23, 2019
Book Page	009375/005971
Instrument	99816

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 440 Prospect Ave was $12,216, up 36.6% from the year before.

Source: Monmouth County and Little Silver Borough assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
Municipality	Little Silver Borough
Elementary School District	Little Silver Borough School District (KG - 08)
Secondary School District	Red Bank Regional School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$936,900 (+10.21%) Land $561,300 Building $375,600	$936,900 (+10.21%) Land $561,300 Building $375,600
2025	$12,216.00 (+36.58%)	$850,100 Land $539,900 Building $310,200	$850,100 Land $539,900 Building $310,200
2024	$8,944.00
2023		$483,600 Land $241,200 Building $242,400	$483,600 Land $241,200 Building $242,400
2022	$8,590.00

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

Flood

FEMA maps place 440 Prospect Ave in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1978.

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 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	9 (1978–2018)
Claims Outside the SFHA	4 of 9
Most Recent Claim	Jul 2018 · rainfall accumulation

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

Wildfire risk around 440 Prospect Ave is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 92% of New Jersey
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NJ AMERICAN WATER - COASTAL NORTH private · serves 377,613 people · EPA ID NJ1345001
Water Source	Surface water
Last State Inspection	Sep 2023
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Sep 2019
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 311 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

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