1 Spruce Rd, Howell, NJ 07731 Property Records

Monmouth County and Howell Township property record for 1 Spruce Rd, Howell, NJ 07731

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,076 sqft · built 1960
Lot Size	0.284 acres (12,375 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Sep 2021)
Tax Bill	$9,263 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Sep 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-00063-0000-00004`

Property Details

APN / Parcel Number

Primary APN	`21-00063-0000-00004`
Alternative APNs	`210006300004` `033890`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Building Area	2,076 sqft Living Area
1st Floor Area	912 sqft
Upper Floors Area	1,164 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Other
Lot Area	12,375 sqft (0.284 acres)
Lot Dimensions	165 ft deep x 75 ft wide

Exterior Amenities

Deck Area	400 sqft
Patio Area	268 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	033890
Street Address	1 SPRUCE RD
City	HOWELL
State	NJ
Zip	07731-1422
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3A
Legal Subdivision	LAND-O PINES SEC 03
Legal Block	63
Legal Lot Number	4
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HOWELL
Census Block Group	3
Census Block	3032
Census Tract	811200

Owner

1 Spruce Rd is owned and occupied by an individual who bought it in September 2021.

Source: Monmouth County and Howell Township records, as of July 9, 2026

Owner of Record	Individual Name on File
Mailing Address	1 SPRUCE RD, HOWELL, NJ 07731-1422
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2021	Deed, Transfer · Conventional Mortgage ADVISORS MORTGAGE GROUP LLC
Sep 15, 2017	Deed of Trust, Mortgage · FHA Mortgage MONSTERLOANS
Apr 14, 2017	Deed of Trust, Mortgage · Line of Credit AMERICAN HERITAGE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2021 · Amount on File
Deed Sale	Sep 15, 2021 · Amount on File
Deed Document Number	2021138814
Deed Book / Page	9543 / 6433
Prior Transfer Date	Mar 24, 2005
Prior Transfer Doc	0084632281
Record Updated	Oct 29, 2026

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Sep 15, 2021
Property Address	1 SPRUCE RD, HOWELL, NJ 07731-1422
Document Number	0095436433
Book / Page	9543 / 6433
Instrument Date	Jul 7, 2021
Instrument	2021138814
Transaction Type	Transfer
Record Updated	Sep 30, 2021
Title Company	COUNSELLORS TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,023.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	41 FAIRMOUNT AVE APT 10, 41, HACKENSACK, NJ 07601-4747

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 SPRUCE RD, HOWELL, NJ 07731-1422

Mortgage

Document Number	2021138815
Date	Sep 15, 2021
Instrument	2021138815

Lender

Name	ADVISORS MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Aug 1, 2051

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	1 SPRUCE RD, HOWELL, NJ 07731-1422
Document Number	0000100776
Instrument Date	Sep 15, 2017
Transaction Type	Mortgage
Record Updated	Dec 8, 2017
Title Company	VANTAGE PT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 SPRUCE RD HOWELL NJ 077311422, HOWELL, NJ 07731-1422

Mortgage

Document Number	0000100776
Date	Oct 16, 2017
Instrument	100776

Lender

Name	MONSTERLOANS
Address	LAKE FOREST, CA 92630

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2047

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	1 SPRUCE RD, HOWELL, NJ 07731-1422
Document Number	0000041293
Book / Page	009223 / 009101
Instrument Date	Apr 14, 2017
Transaction Type	Mortgage
Record Updated	May 19, 2017
Title Company	UNIVERSAL SETTLEMENT SERVICES, UNIVERSAL SETTLEMENT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 SPRUCE RD HOWELL NJ 077311422, HOWELL, NJ 07731-1422

Mortgage

Document Number	0000041293
Date	Apr 21, 2017
Book Page	009223/009101
Instrument	41293

Lender

Name	AMERICAN HERITAGE FCU
Type	Credit Union
Address	PHILADELPHIA, PA 19115

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 20, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1 Spruce Rd was $9,263, up 4.3% from the year before.

Source: Monmouth County and Howell Township assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
County Subdivision	Howell Township
Secondary School District	Freehold Regional School District (09 - 12)
Elementary School District	Howell Township School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$541,700 (+0.41%) Land $304,200 Building $237,500	$541,700 (+0.41%) Land $304,200 Building $237,500
2025	$9,263.00 (+4.32%)	$539,500 Land $304,200 Building $235,300	$539,500 Land $304,200 Building $235,300
2024	$8,879.00
2023		$454,800 Land $229,200 Building $225,600	$454,800 Land $229,200 Building $225,600
2022	$7,842.00

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

Flood

FEMA maps place 1 Spruce Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1984.

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	4 (1984)
Most Recent Claim	Jun 1984 · tidal / storm surge

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

Wildfire risk around 1 Spruce Rd is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 55% of New Jersey
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NJ AMERICAN WATER - COASTAL NORTH private · serves 377,613 people · EPA ID NJ1345001
Water Source	Surface water
Last State Inspection	Sep 2023
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Sep 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 283 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

May also be available: AT&T.

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