20 Concord Cir, Howell, NJ 07731 Property Records

Monmouth County and Howell Township property record for 20 Concord Cir, Howell, NJ 07731

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,487 sqft · built 1984
Lot Size	0.184 acres (8,002 sqft)
Owner	2 Individual Names on File
Last Sale	$645,000 (Oct 2025)
Tax Bill	$9,836 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-00084-11-00007`

Property Details

APN / Parcel Number

Primary APN	`21-00084-11-00007`
Alternative APNs	`2100084001100007` `21107010`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,487 sqft Living Area
1st Floor Area	944 sqft
Upper Floors Area	679 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Other
Lot Area	8,002 sqft (0.184 acres)
Lot Dimensions	100 ft deep x 80 ft wide
Garage Area	336 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Patio Area	448 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	21107010
Street Address	20 CONCORD CIR
City	HOWELL
State	NJ
Zip	07731-1559
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF10
Legal Subdivision	TANGLEWOOD SEC 02
Legal Block	84.11
Legal Lot Number	7
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HOWELL
Census Block Group	1
Census Block	1011
Census Tract	811303

Owner

20 Concord Cir is owned and occupied by two individuals who bought it in October 2025.

Source: Monmouth County and Howell Township records, as of July 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20 CONCORD CIR, HOWELL, NJ 07731-1559
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2025 · Amount on File
Deed Sale	Oct 17, 2025 · Amount on File
Prior Sale	Jul 21, 2015 · Amount on File
Deed Document Number	202583150
Deed Book / Page	9761 / 4708
Record Updated	Oct 29, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Oct 17, 2025
Property Address	20 CONCORD CIR, HOWELL, NJ 07731-1559
Document Number	0097614708
Book / Page	9761 / 4708
Instrument Date	Oct 16, 2025
Instrument	2025083150
Transaction Type	Transfer
Record Updated	Nov 4, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,643.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12 PORTEBELLO RD, JACKSON, NJ 08527-3934

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CONCORD CIR, HOWELL, NJ 07731-1559

Mortgage

Document Number	2025083151
Date	Oct 17, 2025
Instrument	2025083151

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Oct 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.5%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.5%

Tax Assessment & Valuation

The 2025 property tax bill for 20 Concord Cir was $9,836, up 8.9% from the year before.

Source: Monmouth County and Howell Township assessment roll, as of July 9, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$593,200 (+3.8%) Land $404,200 Building $189,000	$593,200 (+3.8%) Land $404,200 Building $189,000
2025	$9,836.00 (+8.9%)	$571,500 Land $384,200 Building $187,300	$571,500 Land $384,200 Building $187,300
2024	$9,032.00
2023		$453,100 (+26.04%) Land $274,200 Building $178,900	$453,100 (+26.04%) Land $274,200 Building $178,900
2022	$7,531.00 (+7.31%)	$359,500 Land $189,200 Building $170,300	$359,500 Land $189,200 Building $170,300
2021	$7,018.00

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

Flood

FEMA maps place 20 Concord Cir in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1978.

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	2 in force
Nearby Flood Claims	7 (1978–1984)
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

Wildfire risk around 20 Concord Cir 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 66% of the US · above 52% of New Jersey
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 317 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	2,300 / 2,300
T-Mobile Fixed Wireless	100 / 20