Monmouth County and Spring Lake Borough property record for 511 Ludlow Ave, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,986 sqft · built 2022 |
| Lot Size | 0.161 acres (6,996 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $2,950,000 (Feb 2025) |
| Tax Bill | $5,994 (2025) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage Dec 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 47-00114-0000-00006 |
| Primary APN | 47-00114-0000-00006 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,986 sqft Living Area |
| 1st Floor Area | 936 sqft |
| Upper Floors Area | 1,050 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Colonial |
| Exterior Material | Wood Shingle |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 6,996 sqft (0.161 acres) |
| Lot Dimensions | 159 ft deep x 44 ft wide |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Sewer | Connected |
| Street Address | 511 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 | 6 |
| 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 | 511 LUDLOW AVE, SPRING LAKE, NJ 07762-1555 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Feb 22, 2023 | Bargain and Sale Deed, Transfer · Commercial Mortgage CIVIC FINANCIAL SERVICES LLC |
| Dec 13, 2017 | Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 7, 2025 · Amount on Record |
| Deed Sale | Feb 7, 2025 · Amount on Record |
| Prior Sale | Feb 22, 2023 · Amount on Record |
| Deed Document Number | 202511042 |
| Deed Book / Page | 9725 / 685 |
| Record Updated | Sep 20, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Feb 22, 2023 |
| Property Address | 511 LUDLOW AVE, SPRING LAKE, NJ 07762-1555 |
| Document Number | 0096350070 |
| Book / Page | 9635 / 70 |
| Instrument Date | Jan 31, 2023 |
| Instrument | 2023012792 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2023 |
| Title Company | NEW HORIZON ABSTRACT INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,563.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 718 101ST AVE N, NAPLES, FL 34108-3205 |
| Name | Verified Name |
|---|---|
| Address | 511 LUDLOW AVE, SPRING LAKE, NJ 07762-1555 |
| Document Number | 2023012793 |
|---|---|
| Date | Feb 22, 2023 |
| Instrument | 2023012793 |
| Name | CIVIC FINANCIAL SERVICES LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Feb 1, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 511 LUDLOW AVE, SPRING LAKE, NJ 07762-1555 |
| Document Number | 0000002334 |
| Book / Page | 009266 / 007574 |
| Instrument Date | Dec 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2018 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 511 LUDLOW AVE SPRING LAKE NJ 077621555, SPRING LAKE, NJ 07762-1555 |
| Document Number | 0000002334 |
|---|---|
| Date | Jan 9, 2018 |
| Book Page | 009266/007574 |
| Instrument | 2334 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 8, 2048 |
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 | $3,053,600 (+132.81%) Land $1,439,100 Building $1,614,500 | $3,053,600 (+132.81%) Land $1,439,100 Building $1,614,500 | |
| 2025 | $5,994.00 (+15.29%) | $1,311,600 (+22.27%) Land $1,311,600 | $1,311,600 (+22.27%) Land $1,311,600 |
| 2024 | $5,199.00 (-2.44%) | ||
| 2023 | $1,072,700 Land $1,023,100 Building $49,600 | $1,072,700 Land $1,023,100 Building $49,600 | |
| 2022 | $5,329.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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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