Monmouth County and Howell Township property record for 181 Locust Ave, Howell, NJ 07731
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,836 sqft · built 1907 |
| Lot Size | 0.624 acres (27,181 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $680,000 (Aug 2026) |
| Tax Bill | $6,820 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Mar 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-00035-58-00004-15 |
| Primary APN | 21-00035-58-00004-15 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,836 sqft Living Area |
| 1st Floor Area | 1,148 sqft |
| Basement Area | 1,148 sqft |
| Year Built | Built 1907 |
|---|---|
| Effective Year Built | Effective 1907 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 27,181 sqft (0.624 acres) |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 64 sqft |
| Account Number | 009190 |
|---|---|
| Street Address | 181 LOCUST AVE |
| City | HOWELL |
| State | NJ |
| Zip | 07731-2076 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3A |
| Legal Description | L4.01 |
| Legal Subdivision | US/SALEM HILL LAND OPINES SEC |
| Legal Block | 35.58 |
| Legal Lot Number | 4.15 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | HOWELL |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 811401 |
181 Locust Ave is owned and occupied by two individuals who bought it in August 2026.
Source: Monmouth County and Howell Township records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 181 LOCUST AVE, HOWELL, NJ 07731-2076 |
| 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 |
|---|---|
| Aug 10, 2026 | Bargain and Sale Deed, Transfer · FHA Mortgage BRIGHTON BANK |
| Mar 12, 2021 | Bargain and Sale Deed, Transfer · Conventional Mortgage GREENBOX LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 10, 2026 · Amount on File |
| Deed Sale | Aug 10, 2026 · Amount on File |
| Prior Sale | Mar 12, 2021 · Amount on File |
| Deed Document Number | 202665723 |
| Deed Book / Page | 9807 / 1996 |
| Prior Transfer Date | Jun 26, 2013 |
| Prior Transfer Doc | 0090218552 |
| Record Updated | Oct 29, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Aug 10, 2026 |
| Property Address | 181 LOCUST AVE, HOWELL, NJ 07731-2076 |
| Document Number | 0000065723 |
| Book / Page | 9807 / 1996 |
| Instrument Date | Aug 6, 2026 |
| Instrument | 202665723 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Title Company | ABSTRACT TITLE, TRIDENT ABSTRACT TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $68,680.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 181 LOCUST AVE, HOWELL, NJ 07731-2076 |
| Document Number | 0000065724, |
|---|---|
| Date | Aug 10, 2026 |
| Instrument | 202665724 |
| Name | BRIGHTON BANK |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Mar 12, 2021 |
| Property Address | 181 LOCUST AVE, HOWELL, NJ 07731-2076 |
| Document Number | 0094899506 |
| Book / Page | 9489 / 9506 |
| Instrument Date | Dec 4, 2020 |
| Instrument | 2021039095 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | GOLDFINCH TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,793.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8 VALENTINE DR, 8, RENSSELAER, NY 12144-9616 |
| Name | Verified Name |
|---|---|
| Address | 181 LOCUST AVE, HOWELL, NJ 07731-2076 |
| Document Number | 2021039096 |
|---|---|
| Date | Mar 12, 2021 |
| Instrument | 2021039096 |
| Name | GREENBOX LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
The 2025 property tax bill for 181 Locust Ave was $6,820, up 5.3% 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 | $491,400 (+24%) Land $231,800 Building $259,600 | $491,400 (+24%) Land $231,800 Building $259,600 | |
| 2025 | $6,820.00 (+5.3%) | $396,300 Land $191,800 Building $204,500 | $396,300 Land $191,800 Building $204,500 |
| 2024 | $6,477.00 | ||
| 2023 | $324,600 Land $112,200 Building $212,400 | $324,600 Land $112,200 Building $212,400 | |
| 2022 | $6,437.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 181 Locust Ave 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 |
| Nearby Flood Policies | 4 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 181 Locust Ave is moderate, ranking above 54% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 54% of the US · above 71% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.1% 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 311 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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