Monmouth County and Spring Lake Heights Borough property record for 609 Central Ave, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 700 sqft · built 1926 |
| Lot Size | 0.068 acres (2,945 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $450,000 (Apr 2019) |
| Tax Bill | $6,953 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Dec 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-00019-0000-00071-01 |
| Primary APN | 48-00019-0000-00071-01 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 700 sqft Living Area |
| 1st Floor Area | 700 sqft |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Architectural Style | Bungalow |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 2,945 sqft (0.068 acres) |
| Lot Dimensions | 109 ft deep x 27 ft wide |
| Porch | Open Porch |
|---|---|
| Deck Area | 741 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 02410 |
|---|---|
| Street Address | 609 CENTRAL AVE |
| City | SPRING LAKE |
| State | NJ |
| Zip | 07762-1818 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF05 |
| Legal Block | 19 |
| Legal Lot Number | 71.1 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | SPRING LAKE HEIGHTS |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 808901 |
609 Central Ave is owned and occupied by two individuals who bought it in April 2019.
Source: Monmouth County and Spring Lake Heights Borough records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 609 CENTRAL AVE, SPRING LAKE, NJ 07762-1818 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 31, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Dec 22, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Oct 13, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Apr 26, 2019 | Grant Deed, Transfer · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 26, 2019 · Amount on File |
| Deed Sale | Apr 26, 2019 · Amount on File |
| Prior Sale | Apr 26, 2006 · Amount on File |
| Deed Document Number | 201935819 |
| Deed Book / Page | 9345 / 2001 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 609 CENTRAL AVE, SPRING LAKE, NJ 07762-1818 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2025 |
| Title Company | SERVICE TITLE, SERVICELINK TITLE |
| Name | Verified Name |
|---|---|
| Address | 609 CENTRAL AVE, SPRING LAKE, NJ 07762-1818 |
| Document Number | 0097637726 |
|---|---|
| Date | Oct 31, 2025 |
| Book Page | 9763/7726 |
| Instrument | 2025087489 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Oct 28, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 609 CENTRAL AVE, SPRING LAKE, NJ 07762-1818 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2024 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC OH |
| Name | Verified Name |
|---|---|
| Address | 829 SHACKAMAXON DR, WESTFIELD, NJ 07090-3462 |
| Document Number | 0096720986 |
|---|---|
| Date | Dec 22, 2023 |
| Book Page | 9672/986 |
| Instrument | 2023088662 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Nov 9, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 609 CENTRAL AVE, SPRING LAKE, NJ 07762-1818 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 829 SHACKAMAXON DR, WESTFIELD, NJ 07090-3462 |
| Document Number | 0096195981 |
|---|---|
| Date | Oct 13, 2022 |
| Book Page | 9619/5981 |
| Instrument | 2022102604 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Sep 19, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Apr 26, 2019 |
| Property Address | 609 CENTRAL AVE, SPRING LAKE, NJ 07762-1818 |
| Document Number | 0000035819 |
| Book / Page | 009345 / 002001 |
| Instrument Date | Apr 17, 2019 |
| Instrument | 35819 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2019 |
| Title Company | JERSEY SHR TITLE SERVICES LLC, JERSEY SHR TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $450.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 609 CENTRAL AVE SPRING LAKE NJ 077621818, SPRING LAKE, NJ 07762-1818 |
| Document Number | 35820 |
|---|---|
| Date | Apr 26, 2019 |
| Book Page | 009345/002010 |
| Instrument | 35820 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 25, 2049 |
The 2025 property tax bill for 609 Central Ave was $6,953, down 3.3% from the year before.
Source: Monmouth County and Spring Lake Heights Borough assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| Municipality | Spring Lake Heights Borough |
| Unified School District | Spring Lake Heights Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $766,400 (+12.87%) Land $551,100 Building $215,300 | $766,400 (+12.87%) Land $551,100 Building $215,300 | |
| 2025 | $6,953.00 (-3.34%) | $679,000 Land $472,300 Building $206,700 | $679,000 Land $472,300 Building $206,700 |
| 2024 | $7,193.00 | ||
| 2023 | $646,600 Land $448,400 Building $198,200 | $646,600 Land $448,400 Building $198,200 | |
| 2022 | $6,243.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 609 Central Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 26 policies |
| Nearby Flood Policies | 26 in force |
| Nearby Flood Claims | 1 (2021) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2021 · 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.
The area around 609 Central Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | BOROUGH OF SPRINGLAKE HEIGHTS serves 5,000 people · EPA ID NJ1349001 |
|---|---|
| Water Source | Purchased surface water from NJ WATER SUPPLY AUTHORITY MANASQUAN |
| Last State Inspection | Aug 2025 |
| Lead | 3 ppb (2023–2025) 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 384 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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