109 W 3rd St, Howell, NJ 07731 Property Records

Monmouth County and Howell Township property record for 109 W 3rd St, Howell, NJ 07731

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,305 sqft · built 1987
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,898 (2025)
Deeds & Mortgages	May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-00110-01-00069`

Property Details

APN / Parcel Number

Primary APN	`21-00110-01-00069`
Alternative APNs	`2100110000100069` `048021`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,305 sqft Living Area
1st Floor Area	816 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Other
Lot Area	10,001 sqft (0.23 acres)
Lot Dimensions	200 ft deep x 50 ft wide
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	048021
Street Address	109 W 3RD ST
City	HOWELL
State	NJ
Zip	07731-8512
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-50
Legal Subdivision	MONMOUTH OFFICERS HOUSING DEV
Legal Block	110.1
Legal Lot Number	69
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HOWELL
Census Block Group	2
Census Block	2018
Census Tract	811301

Owner

109 W 3rd St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	109 W 3RD ST, HOWELL, NJ 07731-8512
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	May 15, 2019
Property Address	109 W 3RD ST, HOWELL, NJ 07731-8512
Document Number	0000042342
Book / Page	009348 / 001829
Instrument Date	May 2, 2019
Instrument	42342
Transaction Type	Transfer
Record Updated	Nov 27, 2019
Title Company	COASTAL TITLE, COASTAL TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$534.99
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 CARTY AVE OCEANPORT NJ 077571251, OCEANPORT, NJ 07757-1251

Mortgage

Document Number	42344
Date	May 15, 2019
Book Page	009348/001845
Instrument	42344

Lender

Name	MORGAN STANLEY PVT BK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 14, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 109 W 3rd St was $5,898, up 6.8% 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		$389,700 (+13.45%) Land $261,500 Building $128,200	$389,700 (+13.45%) Land $261,500 Building $128,200
2025	$5,898.00 (+6.79%)	$343,500 Land $216,500 Building $127,000	$343,500 Land $216,500 Building $127,000
2024	$5,523.00
2023		$284,000 Land $151,500 Building $132,500	$284,000 Land $151,500 Building $132,500
2022	$5,299.00

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

Flood

FEMA maps place 109 W 3rd St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2009.

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	5 in force
Nearby Flood Claims	1 (2009)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2009 · other causes

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 109 W 3rd St 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 66% of the US · above 52% 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 336 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20