910 Spruce St, Union Beach (Keyport), NJ 07735 Property Records

Monmouth County and Union Beach Borough property record for 910 Spruce St, Union Beach, NJ 07735

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,185 sqft · built 2000
Lot Size	0.172 acres (7,501 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Jun 2020)
Tax Bill	$12,244 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Dec 2017 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`50-00159-0000-00004-01`

Property Details

APN / Parcel Number

Primary APN	`50-00159-0000-00004-01`
Alternative APN	`50001590000000040001`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,185 sqft Living Area
1st Floor Area	2,185 sqft
Attic	Attic
Attic Area	858 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Shingle
Lot Area	7,501 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	576 sqft
Patio Area	610 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	910 SPRUCE ST
City	UNION BEACH
State	NJ
Zip	07735-3021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF05
Legal Subdivision	BOROUGH/UNION BEACH
Legal Block	159
Legal Lot Number	4.1
Jurisdiction	MONMOUTH NJ
Township / Civil Division	UNION BEACH
Census Block Group	5
Census Block	5003
Census Tract	801800

Owner

Source: Monmouth County and Union Beach Borough records, as of July 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	910 SPRUCE ST, UNION BEACH, NJ 07735-3021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2020	Grant Deed, Transfer · Conventional with PMI WELLS FARGO BK
Dec 20, 2017	Grant Deed, Transfer · FHA Mortgage HOME PT FIN'L
Jul 18, 2017	Grant Deed, Transfer · Conventional Mortgage JOSEPH PERFETTO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2020 · Amount on Record
Deed Sale	Jun 18, 2020 · Amount on Record
Prior Sale	Dec 20, 2017 · Amount on Record
Deed Document Number	202064890
Deed Book / Page	9421 / 4330
Record Updated	Oct 29, 2026

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Jun 18, 2020
Property Address	910 SPRUCE ST, UNION BEACH, NJ 07735-3021
Document Number	0000064890
Book / Page	009421 / 004330
Instrument Date	Jun 7, 2020
Instrument	64890
Transaction Type	Transfer
Record Updated	Aug 7, 2020
Title Company	ALL AHEAD TITLE AGENCY LLC, ALL AHEAD TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$380.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	910 SPRUCE ST UNION BEACH NJ 077353021, UNION BEACH, NJ 07735-3021

Mortgage

Document Number	64891
Date	Jun 18, 2020
Book Page	009421/004340
Instrument	64891

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2050

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Dec 20, 2017
Property Address	910 SPRUCE ST, UNION BEACH, NJ 07735-3021
Document Number	0000122952
Book / Page	009264 / 001681
Instrument Date	Oct 31, 2017
Instrument	122952
Transaction Type	Transfer
Record Updated	Feb 20, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$345.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	910 SPRUCE ST UNION BEACH NJ 077353021, UNION BEACH, NJ 07735-3021

Mortgage

Document Number	122953
Date	Dec 20, 2017
Book Page	009264/001723
Instrument	122953

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 19, 2047

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Jul 18, 2017
Property Address	910 SPRUCE ST, UNION BEACH, NJ 07735-3021
Document Number	0000068243
Book / Page	009236 / 003651
Instrument Date	May 4, 2017
Instrument	68243
Transaction Type	Transfer
Record Updated	Apr 19, 2018
Title Company	ALL AHEAD TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	146 CEDAR DR COLTS NECK NJ 077221606, COLTS NECK, NJ 07722-1606

Mortgage

Document Number	68244
Date	Jul 18, 2017
Book Page	009236/003656
Instrument	68244

Lender

Name	JOSEPH PERFETTO
Address	EAST HANOVER, NJ 07936

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Monmouth County and Union Beach Borough assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
Municipality	Union Beach Borough
Unified School District	Union Beach Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$608,200 (+6.55%) Land $200,100 Building $408,100	$608,200 (+6.55%) Land $200,100 Building $408,100
2025	$12,244.00 (+12.38%)	$570,800 (+19.46%) Land $181,600 Building $389,200	$570,800 (+19.46%) Land $181,600 Building $389,200
2024	$10,895.00 (+13.87%)
2023		$477,800 Land $137,500 Building $340,300	$477,800 Land $137,500 Building $340,300
2022	$9,568.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 75 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	75 in force
Nearby Flood Claims	74 (1992–2026)
Claims Outside the SFHA	9 of 74
Most Recent Claim	Aug 2026 · river or lake flooding
Claims by Event	Hurricane Sandy, Oct 2012 · 62 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 5 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 94% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 346 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	2,300 / 2,300
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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