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

Atlantic County and Galloway Township property record for 448 Spruce Ave, Galloway, NJ 08205

Property Summary

Property Type	Single Family Home
Details	2,400 sqft · built 1950
Lot Size	0.316 acres (13,752 sqft)
Owner	Company Name on File
Last Sale	$110,000 (Apr 2013)
Tax Bill	$5,831 (2025)
Deeds & Mortgages	Aug 2021 Mortgage May 2018 Mortgage
APN	`11-00719-0000-00001-01`

Property Details

APN / Parcel Number

Primary APN	`11-00719-0000-00001-01`
Alternative APNs	`11007190000000010001` `1100719000000001`

Interior

Stories	1 Story
Building Area	2,400 sqft Living Area
1st Floor Area	2,400 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Construction Type	Frame
Lot Area	13,752 sqft (0.316 acres)
Lot Dimensions	125 ft deep x 110 ft wide

Location & Zoning

Old Parcel Number	1100719000000001
Street Address	448 SPRUCE AVE
City	GALLOWAY
State	NJ
Zip	08205-4546
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Subdivision	PINEHURST SEC C
Legal Block	719
Legal Lot Number	1.1
Jurisdiction	ATLANTIC NJ
Township / Civil Division	GALLOWAY
Census Block Group	2
Census Block	2014
Census Tract	10403

Owner

448 Spruce Ave is owned by a company that acquired it in April 2018.

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

Owner of Record	Company Name on File
Mailing Address	448 SPRUCE AVE, GALLOWAY, NJ 08205-4546
Owner Type	Company

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
Aug 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage MERIDIAN BANK
May 10, 2018	Intrafamily Transfer, Transfer · FHA Mortgage MERIDIAN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2013 · Amount on File
Deed Sale	Apr 22, 2013 · Amount on File
Prior Sale	May 31, 1994 · Amount on File
Deed Document Number	201324002
Last Transfer Date	Apr 23, 2018
Transfer Doc	0000025088
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ATLANTIC NJ
Property Address	448 SPRUCE AVE, GALLOWAY, NJ 08205-4546
Transaction Type	Mortgage
Record Updated	Aug 17, 2022
Title Company	CAPE ATLANTIC TITLE AGENCY LLC, CAPE ATLANTIC TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049192
Date	Aug 12, 2021
Instrument	2021049192

Lender

Name	MERIDIAN BANK
Type	Bank
Address	BLUE BELL, PA 19422

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	239 Months
Due	Jul 1, 2041

May 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ATLANTIC NJ
Recording Date	May 10, 2018
Property Address	448 SPRUCE AVE, GALLOWAY, NJ 08205-4546
Document Number	0000025088
Instrument Date	Apr 23, 2018
Instrument	2018025088
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	CAPE ATLANTIC TITLE AGENCY L

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	448 SPRUCE AVE, 448, GALLOWAY, NJ 08205-4546

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	448 SPRUCE AVE, GALLOWAY, NJ 08205-4546

Mortgage

Document Number	0000025089
Date	May 10, 2018
Instrument	2018025089

Lender

Name	MERIDIAN BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 448 Spruce Ave was $5,831, up 1.6% from the year before.

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		$172,000 (-) Land $47,100 Building $124,900	$172,000 (-) Land $47,100 Building $124,900
2025	$5,831.00 (+1.57%)	$172,000 Land $47,100 Building $124,900	$172,000 Land $47,100 Building $124,900
2024	$5,741.00
2023		$172,000 Land $47,100 Building $124,900	$172,000 Land $47,100 Building $124,900
2022	$5,522.00

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

Flood

FEMA's flood maps do not cover 448 Spruce Ave; there have been 2 flood claims nearby since 2000.

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 Claims	2 (2000–2015)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2015 · other causes

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 448 Spruce Ave is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · above 51% 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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