Monmouth County and Howell Township property record for 19 Spruce Rd, Howell, NJ 07731
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,120 sqft · built 1957 |
| Lot Size | 0.344 acres (15,002 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,411 (2025) |
| Deeds & Mortgages | Oct 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-00064-0000-00003 |
| Primary APN | 21-00064-0000-00003 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,120 sqft Living Area |
| 1st Floor Area | 1,120 sqft |
| Basement Area | 520 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 15,002 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Deck Area | 450 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Account Number | 034040 |
|---|---|
| Street Address | 19 SPRUCE RD |
| City | HOWELL |
| State | NJ |
| Zip | 07731-1428 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3A |
| Legal Subdivision | LAND OPINES SEC 3 |
| Legal Block | 64 |
| Legal Lot Number | 3 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | HOWELL |
| Census Block Group | 3 |
| Census Block | 3030 |
| Census Tract | 811200 |
19 Spruce Rd is owned and occupied by two individuals.
Source: Monmouth County and Howell Township records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 19 SPRUCE RD, HOWELL, NJ 07731-1428 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 19 SPRUCE RD, HOWELL, NJ 07731-1428 |
| Document Number | 0000109031 |
| Instrument Date | Oct 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2019 |
| Title Company | TITLE365 - OMAHA |
| Name | Verified Name |
|---|---|
| Address | 19 SPRUCE RD HOWELL NJ 077311428, HOWELL, NJ 07731-1428 |
| Document Number | 0000109031 |
|---|---|
| Date | Nov 18, 2019 |
| Book Page | 009380/000645 |
| Instrument | 109031 |
| Name | SANTANDER BK NA |
|---|---|
| Type | Bank |
| Address | READING, PA 19602 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 17, 2049 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 19 Spruce Rd was $7,411, up 5.9% 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 | $432,700 (+0.25%) Land $307,200 Building $125,500 | $432,700 (+0.25%) Land $307,200 Building $125,500 | |
| 2025 | $7,411.00 (+5.9%) | $431,600 Land $307,200 Building $124,400 | $431,600 Land $307,200 Building $124,400 |
| 2024 | $6,998.00 | ||
| 2023 | $351,500 Land $232,200 Building $119,300 | $351,500 Land $232,200 Building $119,300 | |
| 2022 | $5,783.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 19 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 risk around 19 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 65% of the US · above 54% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.03% 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 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.
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