Monmouth County and Howell Township property record for 21 Arbor Dr, Howell, NJ 07731
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,108 sqft · built 1988 |
| Lot Size | 0.164 acres (7,148 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $375,000 (May 2018) |
| Tax Bill | $10,432 (2025) |
| Deeds & Mortgages | Nov 2025 Reverse Mortgage May 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-00138-04-00021 |
| Primary APN | 21-00138-04-00021 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,108 sqft Living Area |
| 1st Floor Area | 1,352 sqft |
| Upper Floors Area | 1,036 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 7,148 sqft (0.164 acres) |
| Lot Dimensions | 110 ft deep x 65 ft wide |
| Garage Area | 280 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 392 sqft |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 44000021 |
|---|---|
| Street Address | 21 ARBOR DR |
| City | HOWELL |
| State | NJ |
| Zip | 07731-3088 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Subdivision | POINTE/WOODS SEC 14 |
| Legal Block | 138.4 |
| Legal Lot Number | 21 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | HOWELL |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 811301 |
21 Arbor Dr is owned and occupied by two individuals who bought it in May 2018.
Source: Monmouth County and Howell Township records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 21 ARBOR DR, HOWELL, NJ 07731-3088 |
| 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 |
|---|---|
| Nov 24, 2025 | Deed of Trust, Mortgage · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| May 8, 2018 | Grant Deed, Transfer · Conventional Mortgage ASSURED MTG BANKERS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 8, 2018 · Amount on File |
| Deed Sale | May 8, 2018 · Amount on File |
| Deed Document Number | 201845284 |
| Deed Book / Page | 9286 / 2644 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 21 ARBOR DR, HOWELL, NJ 07731-3088 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2025 |
| Title Company | UNISOURCE NATIONAL LENDER SERVICES LL, ACRISURE NATL LENDER SVCS LL |
| Name | Verified Name |
|---|---|
| Address | 21 ARBOR DR, HOWELL, NJ 07731-3088 |
| Document Number | 0097674211 |
|---|---|
| Date | Nov 24, 2025 |
| Book Page | 9767/4211 |
| Instrument | 2025094389 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 988 Months |
| Due | Mar 13, 2108 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | May 8, 2018 |
| Property Address | 21 ARBOR DR, HOWELL, NJ 07731-3088 |
| Document Number | 0000045284 |
| Book / Page | 009286 / 002644 |
| Instrument Date | Apr 26, 2018 |
| Instrument | 45284 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2018 |
| Title Company | ALLSTATES TITLE SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $375.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 21 ARBOR DR HOWELL NJ 077313088, HOWELL, NJ 07731-3088 |
| Document Number | 45285 |
|---|---|
| Date | May 8, 2018 |
| Book Page | 009286/002676 |
| Instrument | 45285 |
| Name | ASSURED MTG BANKERS |
|---|---|
| Type | Mortgage Company |
| Address | MANASQUAN, NJ 08736 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 7, 2033 |
The 2025 property tax bill for 21 Arbor Dr was $10,432, down 2% 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 | $633,700 (+2.84%) Land $358,300 Building $275,400 | $633,700 (+2.84%) Land $358,300 Building $275,400 | |
| 2025 | $10,432.00 (-2.01%) | $616,200 Land $343,300 Building $272,900 | $616,200 Land $343,300 Building $272,900 |
| 2024 | $10,646.00 | ||
| 2023 | $536,900 Land $253,300 Building $283,600 | $536,900 Land $253,300 Building $283,600 | |
| 2022 | $8,917.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21 Arbor Dr 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 | 1 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 21 Arbor Dr is low, with a 0.04% 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 | 0.04% 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.
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 257 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Optimum Cable · Fiber in parts of the area | 940 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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