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12 Cambridge Dr, Howell, NJ 07731 Property Records

Monmouth County and Howell Township property record for 12 Cambridge Dr, Howell, NJ 07731 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,120 sqft · built 1989
Lot Size0.183 acres (7,950 sqft)
Owner2 Individual Names on File
Last Sale$746,000 (Mar 2024)
Tax Bill$12,811 (2025)
Deeds & MortgagesMar 2026 Mortgage
Mar 2024 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN21-00084-22-00005

Property Details

APN / Parcel Number

Primary APN21-00084-22-00005
Alternative APNs
  • 2100084002200005
  • 22205000

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area2,120 sqft Living Area
1st Floor Area1,216 sqft
Upper Floors Area904 sqft
Basement Area676 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 1989
Architectural StyleColonial
Exterior MaterialAluminum/Vinyl
Roof TypeHip
Roof MaterialOther
Lot Area7,950 sqft (0.183 acres)
Lot Dimensions106 ft deep x 75 ft wide
Garage TypeAttached
Garage Area480 sqft
Parking Spaces2 Parking Spaces
Deck Area192 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
SewerConnected

Location & Zoning

Account Number22205000
Street Address12 CAMBRIDGE DR
CityHOWELL
StateNJ
Zip07731-2955
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal SubdivisionLEXINGTON ESTATES
Legal Block84.22
Legal Lot Number5
JurisdictionMONMOUTH NJ
Township / Civil DivisionHOWELL
Census Block Group3
Census Block3002
Census Tract811303

Owner

Source: Monmouth County and Howell Township records · APN 21-00084-22-00005

Assessment roll updated July 9, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address12 CAMBRIDGE DR, HOWELL, NJ 07731-2955
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 04, 2026Deed of Trust, Mortgage · Conventional Mortgage
GUARANTEED RATE INC
Mar 28, 2024Deed, Transfer · Conventional Mortgage
GUARANTEED RATE INC
Dec 22, 2016Deed of Trust, Mortgage · Line of Credit
SANTANDER BK NA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 28, 2024 · Amount on Record
Deed SaleMar 28, 2024 · Amount on Record
Deed Document Number202420282
Deed Book / Page9682 / 4408
Record UpdatedSep 20, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONMOUTH NJ
Property Address12 CAMBRIDGE DR, HOWELL, NJ 07731-2955
Transaction TypeMortgage
Record UpdatedMar 31, 2026
Title CompanyMADISON TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address12 CAMBRIDGE DR, HOWELL, NJ 07731-2955

Mortgage

Document Number0097825457
DateMar 04, 2026
Book Page9782/5457
Instrument2026018569
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
AddressCHICAGO, IL 60613
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueMar 01, 2046
Interest
Rate TypeAdjustable Rate
Rate5.99%
Type Change DateMar 01, 2033
Change Frequency6 Months
Min Rate At Change3%
Max Rate At Change10.9%
IndexSOFR Average 30-Day
Margin3
Max Rate10.9%

March 2024: Deed, Transfer

Document TypeDeed
JurisdictionMONMOUTH NJ
Recording DateMar 28, 2024
Property Address12 CAMBRIDGE DR, HOWELL, NJ 07731-2955
Document Number0096824408
Book / Page9682 / 4408
Instrument DateMar 20, 2024
Instrument2024020282
Transaction TypeTransfer
Record UpdatedApr 18, 2024
Title CompanyMADISON TITLE AGENCY LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,178.80
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address315 BANDON DUNES CT, MOORESTOWN, NJ 08057-3745

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address12 CAMBRIDGE DR, HOWELL, NJ 07731-2955

Mortgage

Document Number2024020283
DateMar 28, 2024
Instrument2024020283
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2054

December 2016: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONMOUTH NJ
Property Address12 CAMBRIDGE DR, HOWELL, NJ 07731-2955
Document Number0000003804
Book / Page009207 / 002803
Instrument DateDec 22, 2016
Transaction TypeMortgage
Record UpdatedMar 07, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
Address12 CAMBRIDGE DR HOWELL NJ 077312955, HOWELL, NJ 07731-2955

Mortgage

Document Number0000003804
DateJan 11, 2017
Book Page009207/002803
Instrument3804
Lender
NameSANTANDER BK NA
TypeBank
AddressREADING, PA 19601
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJan 10, 2047
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Monmouth County and Howell Township records · Assessment roll updated July 9, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateNew Jersey
CountyMonmouth County
County SubdivisionHowell Township
Secondary School DistrictFreehold Regional School District (09 - 12)
Elementary School DistrictHowell Township School District (KG - 08)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$746,100 (+0.23%) Land $403,300 Building $342,800$746,100 (+0.23%) Land $403,300 Building $342,800
2025$12,811.00 (+14.24%)$744,400 (+39.4%) Land $378,300 Building $366,100$744,400 (+39.4%) Land $378,300 Building $366,100
2024$11,214.00 (+22.92%)
2023$534,000 Land $253,300 Building $280,700$534,000 Land $253,300 Building $280,700
2022$9,123.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monmouth County (34025C), updated September 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340258113033, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies2 in force

Wildfire

Wildfire RiskLow
above 20% of the US · above 35% of New Jersey
Wildfire LikelihoodAbout 1 in 5,882 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 304 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Optimum CommunicationsFiber8,000 / 8,000
VerizonFiber980 / 880
Optimum CommunicationsCable940 / 35
T-Mobile USAFixed Wireless100 / 20
AT&TFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Verizon, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

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