Monmouth County and Spring Lake Borough property record for 508 Ludlow Ave, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,860 sqft · built 1920 |
| Lot Size | 0.434 acres (18,921 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,499,999 (Dec 2021) |
| Tax Bill | $8,308 (2025) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 47-00115-0000-00004 |
| Primary APN | 47-00115-0000-00004 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,860 sqft Living Area |
| 1st Floor Area | 1,050 sqft |
| Upper Floors Area | 810 sqft |
| Basement Area | 810 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Colonial |
| Exterior Material | Asbestos |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 18,921 sqft (0.434 acres) |
| Lot Dimensions | 159 ft deep x 119 ft wide |
| Garage Type | Detached |
| Garage Area | 1,368 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 324 sqft |
| Patio Area | 154 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 508 LUDLOW AVE |
|---|---|
| City | SPRING LAKE |
| State | NJ |
| Zip | 07762-1556 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF05 |
| Legal Description | L5 |
| Legal Subdivision | LUDLOW/NORTH BRIGHTON MONMOUTH |
| Legal Block | 115 |
| Legal Lot Number | 4 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 809100 |
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 | 508 LUDLOW AVE, SPRING LAKE, NJ 07762-1556 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 31, 2021 | Bargain and Sale Deed, Transfer · Conventional Mortgage US BANK NA |
| Feb 19, 2021 | Intrafamily Transfer, Transfer · Commercial Mortgage EDISTO LOAN FUND LLC |
| Sep 28, 2020 | Quit Claim Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE INS |
| Sep 23, 2019 | Grant Deed, Transfer RECOVCO MTG MGMT LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 31, 2021 · Amount on Record |
| Deed Sale | Dec 31, 2021 · Amount on Record |
| Prior Sale | Sep 23, 2019 · Amount on Record |
| Deed Document Number | 2021185648 |
| Deed Book / Page | 9568 / 9253 |
| Prior Transfer Date | Jan 22, 2021 |
| Prior Transfer Doc | 0094832125 |
| Record Updated | Sep 20, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Dec 31, 2021 |
| Property Address | 508 LUDLOW AVE, SPRING LAKE, NJ 07762-1556 |
| Document Number | 0095689253 |
| Book / Page | 9568 / 9253 |
| Instrument Date | Dec 17, 2021 |
| Instrument | 2021185648 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2022 |
| Title Company | TRIDENT ABSTRACT TITLE AGENCY LLC, TRIDENT ABSTRACT TTL AGCY LL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $30,624.99 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 508 LUDLOW AVE, 508, SPRING LAKE, NJ 07762-1556 |
| Name | Verified Name |
|---|---|
| Address | 508 LUDLOW AVE, SPRING LAKE, NJ 07762-1556 |
| Document Number | 2021185649 |
|---|---|
| Date | Dec 31, 2021 |
| Instrument | 2021185649 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Feb 19, 2021 |
| Property Address | 508 LUDLOW AVE, SPRING LAKE, NJ 07762-1556 |
| Document Number | 0094832125 |
| Book / Page | 9483 / 2125 |
| Instrument Date | Jan 22, 2021 |
| Instrument | 2021026051 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | MID-STATE ABSTRACT COMPANY, MID STATE ABSTRACT COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2283 BIG ENOUGH WAY, 2283, TOMS RIVER, NJ 08755-1372 |
| Name | Verified Name |
|---|---|
| Address | 508 LUDLOW AVE, SPRING LAKE, NJ 07762-1556 |
| Document Number | 2021026052 |
|---|---|
| Date | Feb 19, 2021 |
| Instrument | 2021026052 |
| Name | EDISTO LOAN FUND LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Sep 28, 2020 |
| Property Address | 508 LUDLOW AVE, SPRING LAKE, NJ 07762-1556 |
| Document Number | 0000110773 |
| Book / Page | 009444 / 003343 |
| Instrument Date | Sep 3, 2020 |
| Instrument | 110773 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2020 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE INS |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2283 BIG ENOUGH WAY TOMS RIVER NJ 087551372, TOMS RIVER, NJ 08755-1372 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Sep 23, 2019 |
| Property Address | 508 LUDLOW AVE, SPRING LAKE, NJ 07762-1556 |
| Document Number | 0000088625 |
| Book / Page | 009369 / 009760 |
| Instrument Date | Jul 31, 2019 |
| Instrument | 88625 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2019 |
| Title Company | PROPERTY TRANSFER SERVICES INC, PROPERTY TRANSFER SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $700.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1172 FISCHER BLVD TOMS RIVER NJ 087533096, TOMS RIVER, NJ 08753-3096 |
| Document Number | 88626 |
|---|---|
| Date | Sep 23, 2019 |
| Book Page | 009369/009781 |
| Instrument | 88626 |
| Name | RECOVCO MTG MGMT LLC |
|---|---|
| Address | EAST MEADOW, NY 11554 |
| Amount | Amount Recorded |
|---|
Source: Monmouth County and Spring Lake Borough assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| Municipality | Spring Lake Borough |
| Unified School District | Spring Lake Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,943,200 (+6.89%) Land $1,094,400 Building $848,800 | $1,943,200 (+6.89%) Land $1,094,400 Building $848,800 | |
| 2025 | $8,308.00 (+4.46%) | $1,817,900 (+21.2%) Land $1,004,400 Building $813,500 | $1,817,900 (+21.2%) Land $1,004,400 Building $813,500 |
| 2024 | $7,953.00 (+13.96%) | ||
| 2023 | $1,499,900 Land $760,700 Building $739,200 | $1,499,900 Land $760,700 Building $739,200 | |
| 2022 | $6,979.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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.
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 |
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