Monmouth County and Middletown Township property record for 18 Gary Dr, Middletown, NJ 07748
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,043 sqft · built 1958 |
| Lot Size | 0.344 acres (15,002 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $290,000 (Dec 2007) |
| Tax Bill | $11,311 (2025) |
| Deeds & Mortgages | Jun 2021 Line of Credit Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-00612-0000-00083 |
| Primary APN | 32-00612-0000-00083 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,043 sqft Living Area |
| 1st Floor Area | 2,043 sqft |
| Basement Area | 1,051 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Bi-Level |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 15,002 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Deck Area | 286 sqft |
| Sewer | Connected |
|---|
| Account Number | 631 |
|---|---|
| Street Address | 18 GARY DR |
| City | MIDDLETOWN |
| State | NJ |
| Zip | 07748-2225 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R22 |
| Legal Subdivision | LONE OAK VILLAGE ESTATES |
| Legal Block | 612 |
| Legal Lot Number | 83 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | MIDDLETOWN |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 800702 |
18 Gary Dr is owned and occupied by two individuals who acquired it in October 2016.
Source: Monmouth County and Middletown Township records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 18 GARY DR, MIDDLETOWN, NJ 07748-2225 |
| 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 |
|---|---|
| Jun 23, 2021 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Apr 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Oct 19, 2017 | Quit Claim Deed, Mortgage · Conventional Mortgage TWO RIVER CMNTY BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 28, 2007 · Amount on File |
| Deed Sale | Dec 28, 2007 · Amount on File |
| Deed Document Number | 2007163933 |
| Deed Book / Page | 8695 / 1940 |
| Last Transfer Date | Oct 11, 2016 |
| Transfer Doc | 0091956057 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 18 GARY DR, MIDDLETOWN, NJ 07748-2225 |
| Transaction Type | Mortgage |
| Record Updated | Jul 9, 2021 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE |
| Name | Verified Name |
|---|
| Document Number | 0095225132 |
|---|---|
| Date | Jun 23, 2021 |
| Book Page | 9522/5132 |
| Instrument | 2021098872 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | May 7, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 18 GARY DR, MIDDLETOWN, NJ 07748-2225 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0094988383 |
|---|---|
| Date | Apr 7, 2021 |
| Book Page | 9498/8383 |
| Instrument | 2021055748 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Oct 19, 2017 |
| Property Address | 18 GARY DR, MIDDLETOWN, NJ 07748-2225 |
| Document Number | 0000102797 |
| Book / Page | 009254 / 006294 |
| Instrument Date | Aug 25, 2017 |
| Instrument | 102797 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2017 |
| Title Company | PARADIGM TITLE GROUP LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 18 GARY DR MIDDLETOWN NJ 077482225, MIDDLETOWN, NJ 07748-2225 |
| Document Number | 102798 |
|---|---|
| Date | Oct 19, 2017 |
| Book Page | 009254/006313 |
| Instrument | 102798 |
| Name | TWO RIVER CMNTY BK |
|---|---|
| Type | Bank |
| Address | TINTON FALLS, NJ 07724 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 18, 2047 |
The 2025 property tax bill for 18 Gary Dr was $11,311, up 6.5% from the year before.
Source: Monmouth County and Middletown Township assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| County Subdivision | Middletown Township |
| Unified School District | Middletown Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $757,400 (+8.08%) Land $471,500 Building $285,900 | $757,400 (+8.08%) Land $471,500 Building $285,900 | |
| 2025 | $11,311.00 (+6.54%) | $700,800 Land $417,500 Building $283,300 | $700,800 Land $417,500 Building $283,300 |
| 2024 | $10,617.00 | ||
| 2023 | $631,400 Land $315,800 Building $315,600 | $631,400 Land $315,800 Building $315,600 | |
| 2022 | $9,661.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18 Gary Dr in Zone X, an area of minimal flood risk.
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 7 (15% premium discount) |
| Nearby Flood Policies | 3 in force |
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 18 Gary Dr 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 95% of the US · lower than 87% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.02% 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 304 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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