Monmouth County and Howell Township property record for 3 Charles St, Howell, NJ 07731
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,196 sqft · built 1978 |
| Lot Size | 0.543 acres (23,666 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $221,900 (Mar 2023) |
| Tax Bill | $6,669 (2025) |
| Deeds & Mortgages | Sep 2024 Sale & Mortgage Mar 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-00144-0000-00067 |
| Primary APN | 21-00144-0000-00067 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,196 sqft Living Area |
| 1st Floor Area | 1,196 sqft |
| Basement Area | 1,196 sqft |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 23,666 sqft (0.543 acres) |
| Lot Dimensions | 161 ft deep x 147 ft wide |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 170 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Account Number | 058601 |
|---|---|
| Street Address | 3 CHARLES ST |
| City | HOWELL |
| State | NJ |
| Zip | 07731-1288 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Block | 144 |
| Legal Lot Number | 67 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | HOWELL |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 811200 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 703 CROSS ST, LAKEWOOD, NJ 08701-4029 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 3, 2024 | Deed, Subdivision Related Transfer · Conventional Mortgage K HOVNANIAN AMERICAN MORTGAGE LLC |
| Mar 24, 2023 | Deed, Transfer · Conventional Mortgage PLAINS COMMERCE BANK |
| Jun 30, 2022 | Deed of Trust, Mortgage · Line of Credit AMBOY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 24, 2023 · Amount on Record |
| Deed Sale | Mar 24, 2023 · Amount on Record |
| Deed Document Number | 202320484 |
| Deed Book / Page | 9638 / 6152 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Sep 3, 2024 |
| Property Address | 3 CHARLES ST, HOWELL, NJ 07731-1288 |
| Document Number | 0097025109 |
| Book / Page | 9702 / 5109 |
| Instrument Date | Aug 29, 2024 |
| Instrument | 2024060288 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 16, 2025 |
| Title Company | EASTERN TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,835.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 110 FIELDCREST AVE, EDISON, NJ 08837-3626 |
| Name | Verified Name |
|---|---|
| Address | 3 CHARLES ST, HOWELL, NJ 07731-1288 |
| Document Number | 2024060289 |
|---|---|
| Date | Sep 3, 2024 |
| Instrument | 2024060289 |
| Name | K HOVNANIAN AMERICAN MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2054 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Mar 24, 2023 |
| Property Address | 3 CHARLES ST, HOWELL, NJ 07731-1288 |
| Document Number | 0096386152 |
| Book / Page | 9638 / 6152 |
| Instrument Date | Mar 21, 2023 |
| Instrument | 2023020484 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2023 |
| Title Company | MADISON TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $330.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 175 BARTLEY RD, JACKSON, NJ 08527-1241 |
| Name | Verified Name |
|---|---|
| Address | 703 CROSS ST, LAKEWOOD, NJ 08701-4029 |
| Document Number | 2023020485 |
|---|---|
| Date | Mar 24, 2023 |
| Instrument | 2023020485 |
| Name | PLAINS COMMERCE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 3 CHARLES ST, HOWELL, NJ 07731-1288 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3 CHARLES ST, HOWELL, NJ 07731-1288 |
| Document Number | 0096029478 |
|---|---|
| Date | Jun 30, 2022 |
| Book Page | 9602/9478 |
| Instrument | 2022068306 |
| Name | AMBOY BANK |
|---|---|
| Type | Bank |
| Address | OLD BRIDGE, NJ 08857 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $400,200 (+1.6%) Land $249,500 Building $150,700 | $400,200 (+1.6%) Land $249,500 Building $150,700 | |
| 2025 | $6,669.00 (-2.5%) | $393,900 (+25.97%) Land $244,500 Building $149,400 | $393,900 (+25.97%) Land $244,500 Building $149,400 |
| 2024 | $6,840.00 (+5%) | ||
| 2023 | $312,700 (+27.17%) Land $169,500 Building $143,200 | $312,700 (+27.17%) Land $169,500 Building $143,200 | |
| 2022 | $4,560.00 (+8.99%) Disabled Person's exemption Widower's exemption | $245,900 Land $109,500 Building $136,400 | $245,900 Land $109,500 Building $136,400 |
| 2021 | $4,184.00 |
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 | 3 in force |
| Nearby Flood Claims | 1 (2012) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
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 53% of the US · above 70% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.1% 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: FCC Broadband Data Collection, based on 94 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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