Monmouth County and Spring Lake Borough property record for 509 Ludlow Ave, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,156 sqft · built 1914 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,450,000 (Mar 2022) |
| Tax Bill | $8,793 (2025) |
| Deeds & Mortgages | Mar 2022 Sale Sep 2020 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 47-00114-0000-00005 |
| Primary APN | 47-00114-0000-00005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,156 sqft Living Area |
| 1st Floor Area | 2,156 sqft |
| Upper Floors Area | 1,134 sqft |
| Year Built | Built 1914 |
|---|---|
| Effective Year Built | Effective 1914 |
| Architectural Style | Ranch |
| 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 | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Deck Area | 80 sqft |
| Patio Area | 240 sqft |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Sewer | Connected |
|---|
| Street Address | 509 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/NORTH BRIGHTON |
| Legal Block | 114 |
| Legal Lot Number | 5 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 1 |
| Census Block | 1014 |
| 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 | 29 GEORGE ST, SARATOGA SPRINGS, NY 12866-4303 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 1, 2022 | Deed, Transfer ACRES LAND TITLE AGENCY INC |
| Sep 16, 2020 | Deed of Trust, Mortgage · Line of Credit MANASQUAN BK |
| Oct 11, 2017 | Deed of Trust, Mortgage · Line of Credit MANASQUAN BK |
| Aug 23, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 2022 · Amount on Record |
| Deed Sale | Mar 1, 2022 · Amount on Record |
| Deed Document Number | 202223922 |
| Deed Book / Page | 9581 / 4126 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Mar 1, 2022 |
| Property Address | 509 LUDLOW AVE, SPRING LAKE, NJ 07762-1555 |
| Document Number | 0095814126 |
| Book / Page | 9581 / 4126 |
| Instrument Date | Feb 8, 2022 |
| Instrument | 2022023922 |
| Transaction Type | Transfer |
| Record Updated | Mar 16, 2022 |
| Title Company | ACRES LAND TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $22,235.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 511 LUDLOW AVE, 511, SPRING LAKE, NJ 07762-1555 |
| Name | Verified Name |
|---|---|
| Address | 29 GEORGE ST, SARATOGA SPRINGS, NY 12866-4303 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 509 LUDLOW AVE, SPRING LAKE, NJ 07762-1555 |
| Document Number | 0000117169 |
| Instrument Date | Sep 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 509 LUDLOW AVE SPRING LAKE NJ 077621555, SPRING LAKE, NJ 07762-1555 |
| Document Number | 0000117169 |
|---|---|
| Date | Oct 8, 2020 |
| Book Page | 009447/007027 |
| Instrument | 117169 |
| Name | MANASQUAN BK |
|---|---|
| Address | MANASQUAN, NJ 08736 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Oct 7, 2025 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 509 LUDLOW AVE, SPRING LAKE, NJ 07762-1555 |
| Document Number | 0000104947 |
| Book / Page | 009255 / 006264 |
| Instrument Date | Oct 11, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 509 LUDLOW AVE SPRING LAKE NJ 077621555, SPRING LAKE, NJ 07762-1555 |
| Document Number | 0000104947 |
|---|---|
| Date | Oct 25, 2017 |
| Book Page | 009255/006264 |
| Instrument | 104947 |
| Name | MANASQUAN BK |
|---|---|
| Address | WALL, NV 08736 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Oct 24, 2022 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Aug 23, 2017 |
| Property Address | 509 LUDLOW AVE, SPRING LAKE, NJ 07762-1555 |
| Document Number | 0000082631 |
| Book / Page | 009244 / 000032 |
| Instrument Date | Aug 4, 2017 |
| Instrument | 82631 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $715.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 509 LUDLOW AVE SPRING LAKE NJ 077621555, SPRING LAKE, NJ 07762-1555 |
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 | $2,096,400 (+8.95%) Land $1,562,000 Building $534,400 | $2,096,400 (+8.95%) Land $1,562,000 Building $534,400 | |
| 2025 | $8,793.00 (+8.66%) | $1,924,100 (+31.54%) Land $1,412,000 Building $512,100 | $1,924,100 (+31.54%) Land $1,412,000 Building $512,100 |
| 2024 | $8,092.00 (+15.62%) | ||
| 2023 | $1,462,700 Land $1,005,700 Building $457,000 | $1,462,700 Land $1,005,700 Building $457,000 | |
| 2022 | $6,999.00 |
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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