Monmouth County and Spring Lake Heights Borough property record for 808 Prospect Ave, Spring Lake, NJ 07762
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,639 sqft · built 1950 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $228,000 (Nov 1999) |
| Tax Bill | $8,259 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-00031-0000-00015 |
| Primary APN | 48-00031-0000-00015 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,639 sqft Living Area |
| 1st Floor Area | 1,109 sqft |
| Basement Area | 944 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| 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 | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 431 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 04970 |
|---|---|
| Street Address | 808 PROSPECT AVE |
| City | SPRING LAKE |
| State | NJ |
| Zip | 07762-1939 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF05 |
| Legal Subdivision | OCEAN GARDENS |
| Legal Block | 31 |
| Legal Lot Number | 15 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | SPRING LAKE HEIGHTS |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 808901 |
Source: Monmouth County and Spring Lake Heights 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 | 808 PROSPECT AVE, SPRING LAKE, NJ 07762-1939 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Mar 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NORTHFIELD BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 10, 1999 · Amount on Record |
| Deed Sale | Nov 10, 1999 · Amount on Record |
| Deed Book / Page | 5877 / 34 |
| Last Transfer Date | Jun 10, 2015 |
| Transfer Doc | 0091629147 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 808 PROSPECT AVE, SPRING LAKE, NJ 07762-1939 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2021 |
| Title Company | SECURITY SETTLEMENT SERVICES INC, EQUITY SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|
| Document Number | 0095156272 |
|---|---|
| Date | May 27, 2021 |
| Book Page | 9515/6272 |
| Instrument | 2021085922 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 808 PROSPECT AVE, SPRING LAKE, NJ 07762-1939 |
| Document Number | 0000030091 |
| Instrument Date | Mar 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 808 PROSPECT AVE SPRING LAKE NJ 077621939, SPRING LAKE, NJ 07762-1939 |
| Document Number | 0000030091 |
|---|---|
| Date | Mar 17, 2020 |
| Book Page | 009403/000404 |
| Instrument | 30091 |
| Name | NORTHFIELD BK |
|---|---|
| Type | Bank |
| Address | WOODBRIDGE, NJ 07095 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 16, 2030 |
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 | $907,600 (+12.54%) Land $676,500 Building $231,100 | $907,600 (+12.54%) Land $676,500 Building $231,100 | |
| 2025 | $8,259.00 (+1.23%) | $806,500 (+5.88%) Land $577,500 Building $229,000 | $806,500 (+5.88%) Land $577,500 Building $229,000 |
| 2024 | $8,159.00 (+7.54%) | ||
| 2023 | $761,700 Land $522,500 Building $239,200 | $761,700 Land $522,500 Building $239,200 | |
| 2022 | $7,587.00 |
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 24 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 1 (2012) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
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 99.8% of the US · lower than 99.5% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 293 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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