505 Ludlow Ave, Spring Lake, NJ 07762 Property Records

Monmouth County and Spring Lake Borough property record for 505 Ludlow Ave, Spring Lake, NJ 07762

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,976 sqft · built 1900
Lot Size	0.172 acres (7,501 sqft)
Owner	2 Individual Names on Record
Last Sale	$727,000 (Jul 2012)
Tax Bill	$8,077 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`47-00114-0000-00003`

Property Details

APN / Parcel Number

Primary APN	`47-00114-0000-00003`
Alternative APN	`470011400003`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,976 sqft Living Area
1st Floor Area	1,136 sqft
Upper Floors Area	840 sqft
Basement Area	528 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	7,501 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Patio Area	568 sqft
Shed	1 Shed
Shed Area	130 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Sewer	Connected

Location & Zoning

Street Address	505 LUDLOW AVE
City	SPRING LAKE
State	NJ
Zip	07762-1555
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF05
Legal Subdivision	LUDLOW TRACT/NIGHT BRIGHTON
Legal Block	114
Legal Lot Number	3
Jurisdiction	MONMOUTH NJ
Township / Civil Division	SPRING LAKE
Census Block Group	1
Census Block	1014
Census Tract	809100

Owner

Source: Monmouth County and Spring Lake Borough records, as of July 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	11 HUNTERS TRL, CHESTER, NJ 07930-3128
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2012 · Amount on Record
Deed Sale	Jul 18, 2012 · Amount on Record
Deed Document Number	201274395
Deed Book / Page	8960 / 447
Prior Transfer Date	Dec 19, 2007
Prior Transfer Doc	0086984239
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	505 LUDLOW AVE, SPRING LAKE, NJ 07762-1555
Document Number	0000112283
Instrument Date	Sep 23, 2020
Transaction Type	Mortgage
Record Updated	Oct 27, 2020
Title Company	ENSURE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	505 LUDLOW AVE SPRING LAKE NJ 077621555, SPRING LAKE, NJ 07762-1555

Mortgage

Document Number	0000112283
Date	Sep 30, 2020
Book Page	009445/001208
Instrument	112283

Lender

Name	SUN WEST MTG
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2050

Tax Assessment & Valuation

Source: Monmouth County and Spring Lake Borough assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
Municipality	Spring Lake Borough
Unified School District	Spring Lake Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,933,000 (+9.36%) Land $1,562,000 Building $371,000	$1,933,000 (+9.36%) Land $1,562,000 Building $371,000
2025	$8,077.00 (+8.83%)	$1,767,500 (+35.47%) Land $1,412,000 Building $355,500	$1,767,500 (+35.47%) Land $1,412,000 Building $355,500
2024	$7,422.00 (+14.8%)
2023		$1,304,700 Land $1,005,700 Building $299,000	$1,304,700 Land $1,005,700 Building $299,000
2022	$6,465.00

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

Flood

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 Record median of 10 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	5 (2010–2018)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Aug 2018 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 3 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 97.3% of New Jersey
Wildfire Likelihood	Under 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 444 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
T-Mobile Fixed Wireless	100 / 20