11 Spruce Rd, Howell, NJ 07731 Property Records

Monmouth County and Howell Township property record for 11 Spruce Rd, Howell, NJ 07731

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,120 sqft · built 1958
Lot Size	0.344 acres (15,002 sqft)
Owner	Individual Name on File
Last Sale	$182,000 (Jan 2011)
Tax Bill	$7,658 (2025)
Deeds & Mortgages	Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-00063-0000-00009`

Property Details

APN / Parcel Number

Primary APN	`21-00063-0000-00009`
Alternative APNs	`210006300009` `033940`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	960 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Other
Lot Area	15,002 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Deck Area	36 sqft
Patio Area	828 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	033940
Street Address	11 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	9
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HOWELL
Census Block Group	3
Census Block	3032
Census Tract	811200

Owner

11 Spruce Rd is owned and occupied by an individual who bought it in January 2011.

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

Owner of Record	Individual Name on File
Mailing Address	11 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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 12, 2011 · Amount on File
Deed Sale	Jan 12, 2011 · Amount on File
Deed Document Number	20115051
Deed Book / Page	8872 / 5329
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	11 SPRUCE RD, HOWELL, NJ 07731-1422
Transaction Type	Mortgage
Record Updated	Sep 27, 2021
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0095420948
Date	Sep 9, 2021
Book Page	9542/948
Instrument	2021135929

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 11 Spruce Rd was $7,658, up 5.6% 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		$447,300 (+0.29%) Land $307,200 Building $140,100	$447,300 (+0.29%) Land $307,200 Building $140,100
2025	$7,658.00 (+5.63%)	$446,000 Land $307,200 Building $138,800	$446,000 Land $307,200 Building $138,800
2024	$7,250.00
2023		$365,300 Land $232,200 Building $133,100	$365,300 Land $232,200 Building $133,100
2022	$6,058.00

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

Flood

FEMA maps place 11 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 11 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.

Nearby Properties on Spruce Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures