Monmouth County and Howell Township property record for 21 Smith St, Howell, NJ 07731
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,680 sqft · built 1960 |
| Lot Size | 0.402 acres (17,500 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $400,000 (Mar 2026) |
| Tax Bill | $6,511 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Mar 2026 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-00110-0000-00134 |
| Primary APN | 21-00110-0000-00134 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,680 sqft Living Area |
| 1st Floor Area | 1,680 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 17,500 sqft (0.402 acres) |
| Lot Dimensions | 350 ft deep x 50 ft wide |
| Deck Area | 522 sqft |
| Shed | 1 Shed |
| Shed Area | 140 sqft |
| Sewer | Connected |
|---|
| Account Number | 047450 |
|---|---|
| Street Address | 21 SMITH ST |
| City | HOWELL |
| State | NJ |
| Zip | 07731-8522 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-50 |
| Legal Description | ADDITIONAL LOTS: DEED RESTRICTED |
| Legal Block | 110 |
| Legal Lot Number | 134 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | HOWELL |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 811301 |
Source: Monmouth County and Howell 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 21 SMITH ST, HOWELL, NJ 07731-8522 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 6, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Mar 27, 2026 | Deed, Transfer ROCKET CLOSE |
| Aug 20, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 27, 2026 · Amount on Record |
| Deed Sale | Mar 27, 2026 · Amount on Record |
| Prior Sale | Nov 1, 2011 · Amount on Record |
| Deed Document Number | 202625901 |
| Deed Book / Page | 9786 / 3198 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | May 6, 2026 |
| Property Address | 21 SMITH ST, HOWELL, NJ 07731-8522 |
| Document Number | 0000037274 |
| Book / Page | 9792 / 2141 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 202637274 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ROCKET CLOSE |
| Name | Verified Name |
|---|---|
| Address | 21 SMITH ST, HOWELL, NJ 07731-8522 |
| Investor | Possibly a Property Investor |
| Document Number | 0000037274, |
|---|---|
| Date | May 6, 2026 |
| Book Page | 9792/2141 |
| Instrument | 202637274 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Mar 27, 2026 |
| Property Address | 21 SMITH ST, HOWELL, NJ 07731-8522 |
| Document Number | 0097863198 |
| Book / Page | 9786 / 3198 |
| Instrument Date | Jul 1, 2024 |
| Instrument | 2026025901 |
| Transaction Type | Transfer |
| Record Updated | Apr 24, 2026 |
| Title Company | ROCKET CLOSE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,715.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 21 SMITH ST, HOWELL, NJ 07731-8522 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 21 SMITH ST, HOWELL, NJ 07731-8522 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 21 SMITH ST, HOWELL, NJ 07731-8522 |
| Document Number | 0000115653 |
| Instrument Date | Aug 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 21 SMITH ST HOWELL NJ 077318522, HOWELL, NJ 07731-8522 |
| Document Number | 0000115653 |
|---|---|
| Date | Oct 6, 2020 |
| Book Page | 009446/009030 |
| Instrument | 115653 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 5, 2040 |
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 | $425,600 (+12.24%) Land $274,400 Building $151,200 | $425,600 (+12.24%) Land $274,400 Building $151,200 | |
| 2025 | $6,511.00 (+5.87%) | $379,200 (+23.12%) Land $229,400 Building $149,800 | $379,200 (+23.12%) Land $229,400 Building $149,800 |
| 2024 | $6,150.00 (+6.2%) | ||
| 2023 | $308,000 Land $164,400 Building $143,600 | $308,000 Land $164,400 Building $143,600 | |
| 2022 | $5,791.00 |
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 |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (2009) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2009 · 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 | Moderate above 42% of the US · above 61% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 65 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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