453 Prospect Ave, Little Silver, NJ 07739 Property Records

Monmouth County and Little Silver Borough property record for 453 Prospect Ave, Little Silver, NJ 07739

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,784 sqft · built 2003
Lot Size	0.276 acres (12,001 sqft)
Owner	2 Individual Names on File
Last Sale	$679,000 (Nov 2005)
Tax Bill	$16,942 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Dec 2021 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-00038-0000-00015`

Property Details

APN / Parcel Number

Primary APN	`25-00038-0000-00015`
Alternative APN	`250003800015`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,784 sqft Living Area
1st Floor Area	1,386 sqft
Upper Floors Area	1,398 sqft
Basement Area	1,370 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Hip
Roof Material	Other
Lot Area	12,001 sqft (0.276 acres)
Lot Dimensions	200 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	300 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Connected

Location & Zoning

Street Address	453 PROSPECT AVE
City	LITTLE SILVER
State	NJ
Zip	07739-1404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Subdivision	LITTLE SILVER
Legal Block	38
Legal Lot Number	15
Jurisdiction	MONMOUTH NJ
Township / Civil Division	LITTLE SILVER
Census Block Group	2
Census Block	2014
Census Tract	804200

Owner

453 Prospect Ave is owned and occupied by two individuals who bought it in November 2005.

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

Owner of Record	2 Individual Names on File
Mailing Address	453 PROSPECT AVE, LITTLE SILVER, NJ 07739-1404
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
Jun 6, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Dec 2, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Jan 13, 2020	Deed of Trust, Mortgage · FHA Mortgage EQUITY PRIME MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2005 · Amount on File
Deed Sale	Nov 15, 2005 · Amount on File
Prior Sale	Aug 23, 2002 · Amount on File
Deed Book / Page	8511 / 7620
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	453 PROSPECT AVE, LITTLE SILVER, NJ 07739-1404
Transaction Type	Mortgage
Record Updated	Jun 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0096472820
Date	Jun 6, 2023
Book Page	9647/2820
Instrument	2023038494

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 27, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	453 PROSPECT AVE, LITTLE SILVER, NJ 07739-1404
Transaction Type	Mortgage
Record Updated	Aug 18, 2022
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0095622197
Date	Dec 2, 2021
Book Page	9562/2197
Instrument	2021173194

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	PHILADELPHIA, PA 19104

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	453 PROSPECT AVE, LITTLE SILVER, NJ 07739-1404
Document Number	0000008259
Instrument Date	Jan 13, 2020
Transaction Type	Mortgage
Record Updated	Feb 18, 2020
Title Company	LANDGUARD TITLE SERVICES LLC, LANDGUARD TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	453 PROSPECT AVE LITTLE SILVER NJ 077391404, LITTLE SILVER, NJ 07739-1404

Mortgage

Document Number	0000008259
Date	Jan 22, 2020
Book Page	009392/006728
Instrument	8259

Lender

Name	EQUITY PRIME MTG
Address	ATLANTA, GA 30328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 21, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 453 Prospect Ave was $16,942, up 17.1% 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		$1,339,100 (+13.58%) Land $539,200 Building $799,900	$1,339,100 (+13.58%) Land $539,200 Building $799,900
2025	$16,942.00 (+17.11%)	$1,179,000 Land $518,600 Building $660,400	$1,179,000 Land $518,600 Building $660,400
2024	$14,467.00
2023		$809,900 Land $239,400 Building $570,500	$809,900 Land $239,400 Building $570,500
2022	$14,361.00

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

Flood

FEMA maps place 453 Prospect Ave in Zone X, an area of minimal flood risk, though there have been 37 flood claims nearby since 1992.

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 28 policies
Nearby Flood Policies	28 in force
Nearby Flood Claims	37 (1992–2016)
Claims Outside the SFHA	15 of 37
Most Recent Claim	Jul 2016 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 21 claims Hurricane Irene, Aug 2011 · 2 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 9 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

Wildfire risk around 453 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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