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

Atlantic County and Galloway Township property record for 463 Spruce Ave, Galloway, NJ 08205

Property Summary

Property Type	Single Family Home
Details	1,200 sqft · built 1951
Lot Size	0.215 acres (9,374 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Sep 2026)
Tax Bill	$5,424 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage May 2019 Sale & Mortgage + 1 more
APN	`11-00714-0000-00009`

Property Details

APN / Parcel Number

Primary APN	`11-00714-0000-00009`

Interior

Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Frame
Construction Type	Frame
Lot Area	9,374 sqft (0.215 acres)
Lot Dimensions	125 ft deep x 75 ft wide

Location & Zoning

Street Address	463 SPRUCE AVE
City	GALLOWAY
State	NJ
Zip	08205-4549
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Subdivision	PINEHURST SEC C
Legal Block	714
Legal Lot Number	9
Jurisdiction	ATLANTIC NJ
Township / Civil Division	GALLOWAY
Census Block Group	2
Census Block	2039
Census Tract	10403

Owner

463 Spruce Ave is owned and occupied by two individuals who bought it in September 2026.

Source: Atlantic County and Galloway Township records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	463 SPRUCE AVE, GALLOWAY, NJ 08205-4549
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Sep 14, 2026	Deed, Transfer · FHA Mortgage HMA MORTGAGE
May 2, 2019	Grant Deed, Transfer · Conventional with PMI E MTG MGMT
Aug 16, 2018	Trustee's Deed, Foreclosure OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2026 · Amount on File
Deed Sale	Sep 14, 2026 · Amount on File
Prior Sale	May 2, 2019 · Amount on File
Deed Document Number	202640806
Prior Transfer Date	Mar 27, 2025
Prior Transfer Doc	0000011614
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ATLANTIC NJ
Recording Date	Sep 14, 2026
Property Address	463 SPRUCE AVE, GALLOWAY, NJ 08205-4549
Document Number	0000040806
Instrument Date	Jul 31, 2026
Instrument	202640806
Transaction Type	Transfer
Record Updated	Sep 30, 2026
Title Company	CAPE ATLANTIC TITLE AGENCY LLC, CAPE ATLANTIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$32,320.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	463 SPRUCE AVE, GALLOWAY, NJ 08205-4549

Mortgage

Document Number	0000040807,
Date	Sep 14, 2026
Instrument	202640807

Lender

Name	HMA MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ATLANTIC NJ
Recording Date	May 2, 2019
Property Address	463 SPRUCE AVE, GALLOWAY, NJ 08205-4549
Document Number	0000022541
Instrument Date	Apr 23, 2019
Instrument	22541
Transaction Type	Transfer
Record Updated	May 24, 2019
Title Company	ATLANTIC SHORES TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$166.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	463 SPRUCE AVE GALLOWAY NJ 082054549, GALLOWAY, NJ 08205-4549

Mortgage

Document Number	22543
Date	May 2, 2019
Instrument	22543

Lender

Name	E MTG MGMT
Type	Mortgage Company
Address	CHERRY HILL, NJ 08002

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 1, 2049

August 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ATLANTIC NJ
Recording Date	Aug 16, 2018
Property Address	463 SPRUCE AVE, GALLOWAY, NJ 08205-4549
Document Number	0000042087
Instrument Date	Aug 14, 2018
Instrument	42087
Transaction Type	Foreclosure
Record Updated	Sep 5, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$104.00
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 MONTROSE LN GALLOWAY NJ 082056678, GALLOWAY, NJ 08205-6678

Tax Assessment & Valuation

The 2025 property tax bill for 463 Spruce Ave was $5,424, 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		$160,000 (-) Land $45,100 Building $114,900	$160,000 (-) Land $45,100 Building $114,900
2025	$5,424.00 (+1.55%)	$160,000 Land $45,100 Building $114,900	$160,000 Land $45,100 Building $114,900
2024	$5,341.00
2023		$160,000 Land $45,100 Building $114,900	$160,000 Land $45,100 Building $114,900
2022	$5,137.00

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 463 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 463 Spruce Ave is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 58% of New Jersey
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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