Monmouth County and Spring Lake Borough property record for 7 Ludlow Ave, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,694 sqft · built 1950 |
| Lot Size | 0.517 acres (22,499 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $5,200,000 (Jan 2021) |
| Tax Bill | $33,669 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Jan 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 47-00108-0000-00007 |
| Primary APN | 47-00108-0000-00007 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,694 sqft Living Area |
| 1st Floor Area | 1,502 sqft |
| Upper Floors Area | 1,176 sqft |
| Basement Area | 936 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 22,499 sqft (0.517 acres) |
| Lot Dimensions | 150 ft deep x 150 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 225 sqft |
| Patio Area | 516 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 7 LUDLOW AVE |
|---|---|
| City | SPRING LAKE |
| State | NJ |
| Zip | 07762-1545 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF10 |
| Legal Description | L8-9 |
| Legal Subdivision | BOROUGH/SPGS LAKE |
| Legal Block | 108 |
| Legal Lot Number | 7 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 809100 |
7 Ludlow Ave is owned and occupied by two individuals who bought it in January 2021.
Source: Monmouth County and Spring Lake Borough records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7 LUDLOW AVE, SPRING LAKE, NJ 07762-1545 |
| 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 |
|---|---|
| Nov 24, 2020 | Deed of Trust, Mortgage WELLS FARGO BK |
| Jan 6, 2021 | Grant Deed, Transfer WELLS FARGO BK |
| Jan 6, 2021 | Quit Claim Deed, Transfer COUNSELLORS TITLE AGENCY INC, COUNSELLORS TITLE AGCY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 6, 2021 · Amount on File |
| Deed Sale | Jan 6, 2021 · Amount on File |
| Deed Document Number | 20212806 |
| Deed Book / Page | 9470 / 4299 |
| Prior Transfer Date | Nov 23, 2020 |
| Prior Transfer Doc | 0094704271 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 7 LUDLOW AVE, SPRING LAKE, NJ 07762-1545 |
| Document Number | 0000002807 |
| Instrument Date | Nov 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7 LUDLOW AVE SPRING LAKE NJ 077621545, SPRING LAKE, NJ 07762-1545 |
| Document Number | 0000002807 |
|---|---|
| Date | Jan 6, 2021 |
| Book Page | 009470/004332 |
| Instrument | 2807 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | 101 N PHILLIPS AVE, SIOUX FALLS, SD 57104-6738 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 5, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jan 6, 2021 |
| Property Address | 7 LUDLOW AVE, SPRING LAKE, NJ 07762-1545 |
| Document Number | 0000002306 |
| Book / Page | 009470 / 004299 |
| Instrument Date | Nov 23, 2020 |
| Instrument | 2306 |
| Transaction Type | Transfer |
| Record Updated | Mar 1, 2021 |
| Title Company | COUNSELLORS TITLE AGENCY INC, COUNSELLORS TITLE AGCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,200.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7 LUDLOW AVE SPRING LAKE NJ 077621545, SPRING LAKE, NJ 07762-1545 |
| Document Number | 2807 |
|---|---|
| Date | Jan 6, 2021 |
| Book Page | 009470/004332 |
| Instrument | 2807 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | 101 N PHILLIPS AVE, SIOUX FALLS, SD 57104-6738 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 5, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jan 6, 2021 |
| Property Address | 7 LUDLOW AVE, SPRING LAKE, NJ 07762-1545 |
| Document Number | 0000002805 |
| Book / Page | 009470 / 004271 |
| Instrument Date | Nov 23, 2020 |
| Instrument | 2805 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2021 |
| Title Company | COUNSELLORS TITLE AGENCY INC, COUNSELLORS TITLE AGCY INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 4000 HEATHER DR WILMINGTON DE 198072120, WILMINGTON, DE 19807-2120 |
The 2025 property tax bill for 7 Ludlow Ave was $33,669, up 17.4% from the year before.
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 | $7,677,700 (+4.21%) Land $6,833,200 Building $844,500 | $7,677,700 (+4.21%) Land $6,833,200 Building $844,500 | |
| 2025 | $33,669.00 (+17.42%) | $7,367,500 Land $6,558,200 Building $809,300 | $7,367,500 Land $6,558,200 Building $809,300 |
| 2024 | $28,673.00 | ||
| 2023 | $5,697,200 Land $5,646,900 Building $50,300 | $5,697,200 Land $5,646,900 Building $50,300 | |
| 2022 | $26,787.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7 Ludlow 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 111 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 111 in force |
| Nearby Flood Claims | 41 (1992–2021) |
| Claims Outside the SFHA | 16 of 41 |
| Most Recent Claim | Jul 2021 · 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.
The area around 7 Ludlow 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 | 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 463 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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