Monmouth County and Neptune Township property record for 109 Hemlock Dr, Neptune, NJ 07753
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,420 sqft · built 1951 |
| Lot Size | 0.276 acres (12,001 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $395,000 (Jan 2020) |
| Tax Bill | $9,899 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Jan 2020 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-04305-0000-00013 |
| Primary APN | 35-04305-0000-00013 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,420 sqft Living Area |
| 1st Floor Area | 1,420 sqft |
| Basement Area | 888 sqft |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 12,001 sqft (0.276 acres) |
| Lot Dimensions | 150 ft deep x 80 ft wide |
| Deck Area | 792 sqft |
|---|---|
| Patio Area | 268 sqft |
| Shed | 1 Shed |
| Shed Area | 140 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 00074771 |
|---|---|
| Street Address | 109 HEMLOCK DR |
| City | NEPTUNE |
| State | NJ |
| Zip | 07753-3320 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Description | 6/3/1/2 |
| Legal Subdivision | HAMILTON GARDENS SEC 3 |
| Legal Block | 4305 |
| Legal Lot Number | 13 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | NEPTUNE |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 808002 |
109 Hemlock Dr is owned and occupied by two individuals who bought it in January 2020.
Source: Monmouth County and Neptune Township records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 HEMLOCK DR, NEPTUNE, NJ 07753-3320 |
| 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 |
|---|---|
| Oct 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FIN'L SVCS INC |
| Jan 6, 2020 | Grant Deed, Transfer · Conventional with PMI HOMEBRIDGE FIN'L SVCS INC |
| Jan 10, 2019 | Grant Deed, Transfer · Construction Mortgage LOAN FUNDER LLC |
| Jan 10, 2019 | Grant Deed, Construction Loan · Construction Mortgage LOAN FUNDER LLC |
| Apr 20, 2018 | Trustee's Deed, Foreclosure TITLE SERVICE AND LIAISON COMPANIES |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 6, 2020 · Amount on File |
| Deed Sale | Jan 6, 2020 · Amount on File |
| Prior Sale | Jan 10, 2019 · Amount on File |
| Deed Document Number | 20201380 |
| Deed Book / Page | 9389 / 794 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 109 HEMLOCK DR, NEPTUNE, NJ 07753-3320 |
| Document Number | 0000132910 |
| Instrument Date | Oct 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 1, 2020 |
| Title Company | GREEN LABEL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 109 HEMLOCK DR NEPTUNE NJ 077533320, NEPTUNE, NJ 07753-3320 |
| Document Number | 0000132910 |
|---|---|
| Date | Nov 9, 2020 |
| Book Page | 009456/001382 |
| Instrument | 132910 |
| Name | HOMEBRIDGE FIN'L SVCS INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ISELIN, NJ 08830 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 8, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jan 6, 2020 |
| Property Address | 109 HEMLOCK DR, NEPTUNE, NJ 07753-3320 |
| Document Number | 0000001380 |
| Book / Page | 009389 / 000794 |
| Instrument Date | Dec 27, 2019 |
| Instrument | 1380 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2020 |
| Title Company | TRIDENT ABSTRACT TITLE AGENCY LLC, TRIDENT ABS TITLE AGCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $395.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 HEMLOCK DR NEPTUNE NJ 077533320, NEPTUNE, NJ 07753-3320 |
| Document Number | 1381 |
|---|---|
| Date | Jan 6, 2020 |
| Book Page | 009389/000817 |
| Instrument | 1381 |
| Name | HOMEBRIDGE FIN'L SVCS INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ISELIN, NJ 08830 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 5, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jan 10, 2019 |
| Property Address | 109 HEMLOCK DR, NEPTUNE, NJ 07753-3320 |
| Document Number | 0000003462 |
| Book / Page | 009330 / 004618 |
| Instrument Date | Dec 12, 2018 |
| Instrument | 3462 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2020 |
| Title Company | UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE LLC |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 586 SQUANKUM RD LAKEWOOD NJ 087011448, LAKEWOOD, NJ 08701-1448 |
| Document Number | 3463 |
|---|---|
| Date | Jan 10, 2019 |
| Book Page | 009330/004625 |
| Instrument | 3463 |
| Name | LOAN FUNDER LLC |
|---|---|
| Address | NEW YORK, NY 10019 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jan 10, 2019 |
| Property Address | 109 HEMLOCK DR, NEPTUNE, NJ 07753-3320 |
| Document Number | 0000003461 |
| Book / Page | 009330 / 004611 |
| Instrument Date | Nov 21, 2018 |
| Instrument | 3461 |
| Transaction Type | Construction Loan |
| Record Updated | Jul 21, 2020 |
| Title Company | UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $182.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 586 SQUANKUM RD LAKEWOOD NJ 087011448, LAKEWOOD, NJ 08701-1448 |
| Document Number | 3463 |
|---|---|
| Date | Jan 10, 2019 |
| Book Page | 009330/004625 |
| Instrument | 3463 |
| Name | LOAN FUNDER LLC |
|---|---|
| Address | NEW YORK, NY 10019 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Apr 20, 2018 |
| Property Address | 109 HEMLOCK DR, NEPTUNE, NJ 07753-3320 |
| Document Number | 0000039178 |
| Book / Page | 009283 / 007043 |
| Instrument Date | Mar 23, 2018 |
| Instrument | 39178 |
| Transaction Type | Foreclosure |
| Record Updated | May 7, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Amount | Amount on Record |
|---|---|
| Tax | $1.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 9990 RICHMOND AVE #400S HOUSTON TX 770428500, 400S, HOUSTON, TX 77042-8500 |
The 2025 property tax bill for 109 Hemlock Dr was $9,899, up 24.8% from the year before.
Source: Monmouth County and Neptune Township assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| County Subdivision | Neptune Township |
| Unified School District | Neptune Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $635,600 (+18.14%) Land $383,700 Building $251,900 | $635,600 (+18.14%) Land $383,700 Building $251,900 | |
| 2025 | $9,899.00 (+24.75%) Veteran's exemption | $538,000 Land $306,100 Building $231,900 | $538,000 Land $306,100 Building $231,900 |
| 2024 | $7,935.00 | ||
| 2023 | $431,300 Land $209,000 Building $222,300 | $431,300 Land $209,000 Building $222,300 | |
| 2022 | $7,258.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Hemlock Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2005.
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 5 (2005–2018) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | May 2018 · other causes |
| 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.
Wildfire risk around 109 Hemlock Dr is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 89% of New Jersey |
|---|---|
| Wildfire Likelihood | 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 236 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 980 / 880 |
| Starlink Satellite | 280 / 30 |
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