Monmouth County and Middletown Township property record for 2 Locust Ter, Middletown, NJ 07748
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,769 sqft · built 1956 |
| Lot Size | 0.244 acres (10,625 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $345,000 (Jun 2019) |
| Tax Bill | $9,534 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Aug 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-00544-0000-00028 |
| Primary APN | 32-00544-0000-00028 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,769 sqft Living Area |
| 1st Floor Area | 1,769 sqft |
| Upper Floors Area | 550 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 10,625 sqft (0.244 acres) |
| Lot Dimensions | 125 ft deep x 85 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Patio Area | 384 sqft |
| Sewer | Connected |
|---|
| Old Parcel Number | 3200768000000017 |
|---|---|
| Street Address | 2 LOCUST TER |
| City | MIDDLETOWN |
| State | NJ |
| Zip | 07748-1450 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R22 |
| Legal Subdivision | LOCUST WOOD TERRACE |
| Legal Block | 544 |
| Legal Lot Number | 28 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | MIDDLETOWN |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 800701 |
Source: Monmouth County and Middletown Township records, as of July 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 2 LOCUST TER, MIDDLETOWN, NJ 07748-1450 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 31, 2023 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Aug 26, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jun 7, 2019 | Grant Deed, Transfer · FHA Mortgage MDE HM LNS |
| Jul 22, 2013 | Loan Modification, Mortgage · Conventional Mortgage EMIGRANT RESIDENTIAL LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 7, 2019 · Amount on Record |
| Deed Sale | Jun 7, 2019 · Amount on Record |
| Prior Sale | Dec 18, 2007 · Amount on Record |
| Deed Document Number | 201949594 |
| Deed Book / Page | 9351 / 6248 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 2 LOCUST TER, MIDDLETOWN, NJ 07748-1450 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2 LOCUST TER, MIDDLETOWN, NJ 07748-1450 |
| Document Number | 0096581755 |
|---|---|
| Date | Aug 31, 2023 |
| Book Page | 9658/1755 |
| Instrument | 2023060669 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Sep 1, 2063 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 2 LOCUST TER, MIDDLETOWN, NJ 07748-1450 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2 LOCUST TER, MIDDLETOWN, NJ 07748-1450 |
| Document Number | 0096126369 |
|---|---|
| Date | Aug 26, 2022 |
| Book Page | 9612/6369 |
| Instrument | 2022088143 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jun 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jun 7, 2019 |
| Property Address | 2 LOCUST TER, MIDDLETOWN, NJ 07748-1450 |
| Document Number | 0000049594 |
| Book / Page | 009351 / 006248 |
| Instrument Date | May 17, 2019 |
| Instrument | 49594 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2019 |
| Title Company | TWO RIVERS TITLE COMPANY LLC, TWO RIVERS TITLE CO LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $345.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2 LOCUST TER MIDDLETOWN NJ 077481450, MIDDLETOWN, NJ 07748-1450 |
| Document Number | 49595 |
|---|---|
| Date | Jun 7, 2019 |
| Book Page | 009351/006282 |
| Instrument | 49595 |
| Name | MDE HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | TINTON FALLS, NJ 07724 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 6, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 2 LOCUST TER, MIDDLETOWN, NJ 07748-1450 |
| Document Number | 0000022477 |
| Instrument Date | Jul 22, 2013 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2018 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 2 LOCUST TER MIDDLETOWN NJ 077481450, MIDDLETOWN, NJ 07748-1450 |
| Document Number | 0000022477 |
|---|---|
| Date | Feb 28, 2018 |
| Book Page | 009276/002759 |
| Instrument | 22477 |
| Name | EMIGRANT RESIDENTIAL LLC |
|---|---|
| Address | 5 E 42ND ST, NEW YORK, NY 10017-6904 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 27, 2038 |
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 | $652,400 (+10.45%) Land $393,400 Building $259,000 | $652,400 (+10.45%) Land $393,400 Building $259,000 | |
| 2025 | $9,534.00 (+4.79%) | $590,700 (+14.83%) Land $334,100 Building $256,600 | $590,700 (+14.83%) Land $334,100 Building $256,600 |
| 2024 | $9,098.00 (+8.66%) | ||
| 2023 | $514,400 Land $290,600 Building $223,800 | $514,400 Land $290,600 Building $223,800 | |
| 2022 | $8,373.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2015 · other causes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 92% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.01% 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 242 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
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