20 Florence Ave, Leonardo, NJ 07737 Property Records

Monmouth County and Middletown Township property record for 20 Florence Ave, Leonardo, NJ 07737

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 992 sqft · built 1928
Lot Size	0.072 acres (3,123 sqft)
Owner	2 Individual Names on File
Last Sale	$254,900 (Jul 2021)
Tax Bill	$6,511 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Apr 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`32-00352-0000-00016`

Property Details

APN / Parcel Number

Primary APN	`32-00352-0000-00016`
Alternative APNs	`320035200016` `421`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	992 sqft Living Area
1st Floor Area	992 sqft
Upper Floors Area	256 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Other
Lot Area	3,123 sqft (0.072 acres)
Lot Dimensions	125 ft deep x 25 ft wide
Deck Area	192 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	421
Street Address	20 FLORENCE AVE
City	LEONARDO
State	NJ
Zip	07737-1015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Subdivision	OCEAN VIEW
Legal Block	352
Legal Lot Number	16
Jurisdiction	MONMOUTH NJ
Township / Civil Division	MIDDLETOWN
Census Block Group	2
Census Block	2012
Census Tract	800400

Owner

20 Florence Ave is owned and occupied by two individuals who bought it in July 2021.

Source: Monmouth County and Middletown Township records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20 FLORENCE AVE, LEONARDO, NJ 07737-1015
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2021	Deed, Transfer · Stand-Alone First Mortgage RUTH BUCK
Apr 19, 2019	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2021 · Amount on File
Deed Sale	Jul 19, 2021 · Amount on File
Prior Sale	Oct 20, 2015 · Amount on File
Deed Document Number	2021110016
Deed Book / Page	9528 / 5357
Record Updated	Oct 29, 2026

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Jul 19, 2021
Property Address	20 FLORENCE AVE, LEONARDO, NJ 07737-1015
Document Number	0095285357
Book / Page	9528 / 5357
Instrument Date	May 27, 2021
Instrument	2021110016
Transaction Type	Transfer
Record Updated	Aug 2, 2021
Title Company	ALL AHEAD TITLE AGENCY LLC, ALL AHEAD TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,364.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	169 10TH ST, 169, BELFORD, NJ 07718-1437

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 FLORENCE AVE, LEONARDO, NJ 07737-1015

Mortgage

Document Number	2021110017
Date	Jul 19, 2021
Instrument	2021110017

Lender

Name	RUTH BUCK
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	20 FLORENCE AVE, LEONARDO, NJ 07737-1015
Document Number	0000038049
Instrument Date	Apr 19, 2019
Transaction Type	Mortgage
Record Updated	Jun 14, 2019
Title Company	TITLE 365- NLSE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 FLORENCE AVE LEONARDO NJ 077371015, LEONARDO, NJ 07737-1015

Mortgage

Document Number	0000038049
Date	May 2, 2019
Book Page	009346/001951
Instrument	38049

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098-2639

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 20 Florence Ave was $6,511, up 22.3% from the year before.

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

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
County Subdivision	Middletown Township
Unified School District	Middletown Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$464,500 (+15.15%) Land $342,800 Building $121,700	$464,500 (+15.15%) Land $342,800 Building $121,700
2025	$6,511.00 (+22.3%)	$403,400 Land $282,800 Building $120,600	$403,400 Land $282,800 Building $120,600
2024	$5,324.00
2023		$288,400 Land $192,200 Building $96,200	$288,400 Land $192,200 Building $96,200
2022	$4,703.00

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

Flood

FEMA maps place 20 Florence Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 46 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	46 in force
Nearby Flood Claims	91 (1978–2018)
Claims Outside the SFHA	8 of 91
Most Recent Claim	Oct 2018 · river or lake flooding
Claims by Event	Hurricane Sandy, Oct 2012 · 47 claims Hurricane Irene, Sep 2011 · 9 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 14 claims

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 Florence Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 97.3% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 372 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Florence Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures