10 Cherry Tree Cir, Howell, NJ 07731 Property Records

Monmouth County and Howell Township property record for 10 Cherry Tree Cir, Howell, NJ 07731

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,032 sqft · built 1985
Lot Size	0.184 acres (8,024 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Dec 2019)
Tax Bill	$10,971 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-00078-0000-00188`

Property Details

APN / Parcel Number

Primary APN	`21-00078-0000-00188`
Alternative APNs	`210007800188` `03878193`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,032 sqft Living Area
1st Floor Area	1,072 sqft
Upper Floors Area	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Other
Lot Area	8,024 sqft (0.184 acres)
Lot Dimensions	107 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Deck Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	03878193
Street Address	10 CHERRY TREE CIR
City	HOWELL
State	NJ
Zip	07731-1527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Subdivision	FRIENDSHIP MANOR
Legal Block	78
Legal Lot Number	188
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HOWELL
Census Block Group	1
Census Block	1013
Census Tract	811304

Owner

Source: Monmouth County and Howell Township 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	10 CHERRY TREE CIR, HOWELL, NJ 07731-1527
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage ADVISORS MTG
Dec 27, 2019	Grant Deed, Transfer · Conventional Mortgage ADVISORS MTG
Feb 5, 2019	Loan Modification, Mortgage · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 2019 · Amount on Record
Deed Sale	Dec 27, 2019 · Amount on Record
Deed Document Number	2019124162
Deed Book / Page	9387 / 6617
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	10 CHERRY TREE CIR, HOWELL, NJ 07731-1527
Document Number	0000154251
Instrument Date	Nov 23, 2020
Transaction Type	Mortgage
Record Updated	Mar 8, 2021
Title Company	CENTURION LAND TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10 CHERRY TREE CIR HOWELL NJ 077311527, HOWELL, NJ 07731-1527

Mortgage

Document Number	0000154251
Date	Dec 22, 2020
Book Page	009467/002914
Instrument	154251

Lender

Name	ADVISORS MTG
Type	Mortgage Company
Address	OCEAN, NJ 07712

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 21, 2050

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Dec 27, 2019
Property Address	10 CHERRY TREE CIR, HOWELL, NJ 07731-1527
Document Number	0000124162
Book / Page	009387 / 006617
Instrument Date	Dec 19, 2019
Instrument	124162
Transaction Type	Transfer
Record Updated	Feb 3, 2020
Title Company	NORTHBRIDGE TITLE AGENCY LLC, NORTHBRIDGE TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
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	10 CHERRY TREE CIR HOWELL NJ 077311527, HOWELL, NJ 07731-1527

Mortgage

Document Number	124163
Date	Dec 27, 2019
Book Page	009387/006635
Instrument	124163

Lender

Name	ADVISORS MTG
Type	Mortgage Company
Address	OCEAN, NJ 07712

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 26, 2049

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONMOUTH NJ
Property Address	10 CHERRY TREE CIR, HOWELL, NJ 07731-1527
Document Number	0000036248
Instrument Date	Feb 5, 2019
Transaction Type	Mortgage
Record Updated	May 13, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 CHERRY TREE CIR HOWELL NJ 077311527, HOWELL, NJ 07731-1527

Mortgage

Document Number	0000036248
Date	Apr 26, 2019
Book Page	009345/009801
Instrument	36248

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	OKLAHOMA CITY, OK 73134

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 2049

Interest

Rate	4.75%

Tax Assessment & Valuation

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		$680,400 (+6.73%) Land $358,300 Building $322,100	$680,400 (+6.73%) Land $358,300 Building $322,100
2025	$10,971.00 (+5.2%)	$637,500 (+30.29%) Land $318,300 Building $319,200	$637,500 (+30.29%) Land $318,300 Building $319,200
2024	$10,429.00 (+27.32%)
2023		$489,300 Land $183,300 Building $306,000	$489,300 Land $183,300 Building $306,000
2022	$8,191.00

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (2011)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 2 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 62% of the US · above 58% of New Jersey
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 418 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable · Fiber in parts of the area	940 / 35
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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