Monmouth County and Howell Township property record for 109 Watson Ct, Howell, NJ 07731
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,901 sqft · built 2001 |
| Lot Size | 0.02 acres (887 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $253,500 (Oct 2017) |
| Tax Bill | $7,139 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Dec 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-00142-01-00105 |
| Primary APN | 21-00142-01-00105 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,901 sqft Living Area |
| 1st Floor Area | 722 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 887 sqft (0.02 acres) |
| Pool Type | Spa / Hot Tub (No Pool) |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 05721105 |
|---|---|
| Street Address | 109 WATSON CT |
| City | HOWELL |
| State | NJ |
| Zip | 07731-5013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 3794 |
| Legal Description | ADELPHIA GREENS BLDG 12 UNIT 105 |
| Legal Subdivision | ADELPHIA GREENS CONDO BLDG 12 |
| Legal Block | 142.1 |
| Legal Lot Number | 105 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | HOWELL |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 811101 |
109 Watson Ct is owned and occupied by two individuals who bought it in October 2017.
Source: Monmouth County and Howell Township records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 WATSON CT, HOWELL, NJ 07731-5013 |
| 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 |
|---|---|
| Sep 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AFFINITY FCU |
| Dec 7, 2017 | Deed of Trust, Mortgage · Line of Credit AFFINITY FCU |
| Oct 3, 2017 | Grant Deed, Transfer FIDELITY NATIONAL TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 3, 2017 · Amount on File |
| Deed Sale | Oct 3, 2017 · Amount on File |
| Prior Sale | Jul 14, 2004 · Amount on File |
| Deed Document Number | 201797112 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 109 WATSON CT, HOWELL, NJ 07731-5013 |
| Document Number | 0000120511 |
| Instrument Date | Sep 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2020 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 109 WATSON CT #105 HOWELL NJ 077315013, 105, HOWELL, NJ 07731-5013 |
| Document Number | 0000120511 |
|---|---|
| Date | Oct 15, 2020 |
| Book Page | 009449/005257 |
| Instrument | 120511 |
| Name | AFFINITY FCU |
|---|---|
| Type | Credit Union |
| Address | BASKING RIDGE, NJ 07920 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 14, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 109 WATSON CT, HOWELL, NJ 07731-5013 |
| Document Number | 0000135965 |
| Instrument Date | Dec 7, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 109 WATSON CT HOWELL NJ 077315013, 1000, HOWELL, NJ 07731-5013 |
| Document Number | 0000135965 |
|---|---|
| Date | Nov 16, 2020 |
| Book Page | 009262/003360 |
| Instrument | 135965 |
| Name | AFFINITY FCU |
|---|---|
| Type | Credit Union |
| Address | BASKING RIDGE, NJ 07920-0621 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Oct 3, 2017 |
| Property Address | 109 WATSON CT, HOWELL, NJ 07731-5013 |
| Document Number | 0000097112 |
| Book / Page | 009251 / 009249 |
| Instrument Date | Sep 8, 2017 |
| Instrument | 97112 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2017 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $253.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 109 WATSON CT HOWELL NJ 077315013, HOWELL, NJ 07731-5013 |
The 2025 property tax bill for 109 Watson Ct was $7,139, up 6.8% from the year before.
Source: Monmouth County and Howell Township assessment roll, as of July 9, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $457,000 (+8.37%) Land $210,000 Building $247,000 | $457,000 (+8.37%) Land $210,000 Building $247,000 | |
| 2025 | $7,139.00 (+6.81%) | $421,700 Land $177,000 Building $244,700 | $421,700 Land $177,000 Building $244,700 |
| 2024 | $6,684.00 | ||
| 2023 | $352,600 Land $118,000 Building $234,600 | $352,600 Land $118,000 Building $234,600 | |
| 2022 | $6,202.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Watson Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 10 (1989–1996) |
| Claims Outside the SFHA | 10 of 10 |
| Most Recent Claim | Oct 1996 · river or lake flooding |
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 Watson Ct is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 230 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Optimum Cable · Fiber in parts of the area | 940 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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