28 Hemlock Rd, Howell, NJ 07731 Property Records

Monmouth County and Howell Township property record for 28 Hemlock Rd, Howell, NJ 07731

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,744 sqft · built 1962
Lot Size	0.31 acres (13,517 sqft)
Owner	2 Individual Names on File
Last Sale	$507,600 (Aug 2022)
Tax Bill	$10,405 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Aug 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`21-00064-0000-00009`

Property Details

APN / Parcel Number

Primary APN	`21-00064-0000-00009`
Alternative APNs	`210006400009` `034100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,744 sqft Living Area
1st Floor Area	1,744 sqft
Basement Area	1,428 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Block
Roof Type	Gable
Roof Material	Other
Lot Area	13,517 sqft (0.31 acres)
Lot Dimensions	159 ft deep x 85 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	648 sqft
Porch	Open Porch
Deck Area	1,048 sqft
Patio Area	82 sqft
Shed	1 Shed
Shed Area	128 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	034100
Street Address	28 HEMLOCK RD
City	HOWELL
State	NJ
Zip	07731-1435
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3A
Legal Subdivision	LAND O PINES SEC 03
Legal Block	64
Legal Lot Number	9
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HOWELL
Census Block Group	3
Census Block	3030
Census Tract	811200

Owner

28 Hemlock Rd is owned by two individuals who bought it in August 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	219 8TH ST, 14B, LAKEWOOD, NJ 08701-2831
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
Jun 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC
Aug 26, 2022	Deed, Transfer · Conventional Mortgage THE DIME SAVINGS BANK WILLIAMSBURGH
Mar 22, 2019	Grant Deed, Transfer · Conventional with PMI GUARANTEED RATE AFFINITY LLC
Apr 18, 2018	Grant Deed, Construction Loan · Construction Mortgage LOAN FUNDER LLC SERIES 3542
Apr 18, 2018	Grant Deed, Transfer ATTORNEY ONLY
Feb 5, 2018	Trustee's Deed, Foreclosure TITLE SERVICE AND LIAISON COMPANIES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2022 · Amount on File
Deed Sale	Aug 26, 2022 · Amount on File
Prior Sale	Mar 22, 2019 · Amount on File
Deed Document Number	202288117
Deed Book / Page	9612 / 6152
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	28 HEMLOCK RD, HOWELL, NJ 07731-1435
Transaction Type	Mortgage
Record Updated	Aug 18, 2022
Title Company	FIT AGCY LLC, FIT AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0095206227
Date	Jun 16, 2021
Book Page	9520/6227
Instrument	2021095290

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Aug 26, 2022
Property Address	28 HEMLOCK RD, HOWELL, NJ 07731-1435
Document Number	0096126152
Book / Page	9612 / 6152
Instrument Date	Aug 17, 2022
Instrument	2022088117
Transaction Type	Transfer
Record Updated	Sep 20, 2022
Title Company	MADISON TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,251.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	701 HAWTHORN RIDGE DR, 701, WHITSETT, NC 27377-9318

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 HEMLOCK RD, HOWELL, NJ 07731-1435

Mortgage

Document Number	2022088118
Date	Aug 26, 2022
Instrument	2022088118

Lender

Name	THE DIME SAVINGS BANK WILLIAMSBURGH
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Sep 1, 2029
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.5%
Index	1-Year CMT
Max Rate	11.5%

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Mar 22, 2019
Property Address	28 HEMLOCK RD, HOWELL, NJ 07731-1435
Document Number	0000025390
Book / Page	009340 / 004933
Instrument Date	Mar 14, 2019
Instrument	25390
Transaction Type	Transfer
Record Updated	Apr 9, 2019
Title Company	FIRST INTEGRITY TITLE AGENCY LLC, FIRST INTEGRITY TITLE AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	28 HEMLOCK RD HOWELL NJ 077311435, HOWELL, NJ 07731-1435

Mortgage

Document Number	25391
Date	Mar 22, 2019
Book Page	009340/004947
Instrument	25391

Lender

Name	GUARANTEED RATE AFFINITY LLC
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 21, 2049

April 2018: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Apr 18, 2018
Property Address	28 HEMLOCK RD, HOWELL, NJ 07731-1435
Document Number	0000037857
Book / Page	009283 / 001428
Instrument Date	Mar 28, 2018
Instrument	37857
Transaction Type	Construction Loan
Record Updated	May 15, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$214.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	500 WOODBINE LN LAKEWOOD NJ 087015877, LAKEWOOD, NJ 08701-5877

Mortgage

Document Number	37858
Date	Apr 18, 2018
Book Page	009283/001439
Instrument	37858

Lender

Name	LOAN FUNDER LLC SERIES 3542
Address	NEW YORK, NY 10019

Agreement

Type	Construction Mortgage
Amount	Amount on Record

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Apr 18, 2018
Property Address	28 HEMLOCK RD, HOWELL, NJ 07731-1435
Document Number	0000037856
Book / Page	009283 / 001404
Instrument Date	Mar 1, 2018
Instrument	37856
Transaction Type	Transfer
Record Updated	May 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$196.35
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1379 LANES MILL RD LAKEWOOD NJ 087013834, LAKEWOOD, NJ 08701-3834
Investor	Possibly a Property Investor

February 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Feb 5, 2018
Property Address	28 HEMLOCK RD, HOWELL, NJ 07731-1435
Document Number	0000013170
Book / Page	009271 / 009634
Instrument Date	Jan 8, 2018
Instrument	13170
Transaction Type	Foreclosure
Record Updated	Mar 8, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transaction

Amount	Amount on Record
Tax	$1.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8950 CYPRESS WATERS BLVD COPPELL TX 750194620, COPPELL, TX 75019-4620

Tax Assessment & Valuation

The 2025 property tax bill for 28 Hemlock Rd was $10,405, up 5.6% 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		$608,800 (+0.46%) Land $305,500 Building $303,300	$608,800 (+0.46%) Land $305,500 Building $303,300
2025	$10,405.00 (+5.6%)	$606,000 Land $305,500 Building $300,500	$606,000 Land $305,500 Building $300,500
2024	$9,853.00
2023		$508,400 Land $230,500 Building $277,900	$508,400 Land $230,500 Building $277,900
2022	$7,733.00

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

Flood

FEMA maps place 28 Hemlock Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1984.

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
Nearby Flood Claims	4 (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 28 Hemlock Rd 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	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 283 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

May also be available: AT&T.

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