Monmouth County and Freehold Township property record for 3 Terrence Ter, Freehold, NJ 07728
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,256 sqft · built 1960 |
| Lot Size | 0.427 acres (18,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $129,500 (Jul 1986) |
| Tax Bill | $11,142 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Jan 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-00022-0000-00010 |
| Primary APN | 17-00022-0000-00010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,256 sqft Living Area |
| 1st Floor Area | 2,256 sqft |
| Basement Area | 1,348 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 18,600 sqft (0.427 acres) |
| Lot Dimensions | 150 ft deep x 124 ft wide |
| Garage Type | Attached |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Patio Area | 879 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Sewer | Connected |
| Account Number | 878000 |
|---|---|
| Street Address | 3 TERRENCE TER |
| City | FREEHOLD |
| State | NJ |
| Zip | 07728-1440 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-15 |
| Legal Subdivision | RYAN KNOLL SEC 02 |
| Legal Block | 22 |
| Legal Lot Number | 10 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | FREEHOLD |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 810401 |
3 Terrence Ter is owned and occupied by two individuals who bought it in July 1986.
Source: Monmouth County and Freehold Township records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3 TERRENCE TER, FREEHOLD, NJ 07728-1440 |
| 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 |
|---|---|
| Jul 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Jan 18, 2018 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 23, 1986 · Amount on File |
| Deed Sale | Jul 23, 1986 · Amount on File |
| Deed Book / Page | 4674 / 636 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 3 TERRENCE TER, FREEHOLD, NJ 07728-1440 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2021 |
| Title Company | BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0095298812 |
|---|---|
| Date | Jul 23, 2021 |
| Book Page | 9529/8812 |
| Instrument | 2021112815 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 3 TERRENCE TER, FREEHOLD, NJ 07728-1440 |
| Document Number | 0000012965 |
| Instrument Date | Jan 18, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2018 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3 TERRENCE TER FREEHOLD NJ 077281440, FREEHOLD, NJ 07728-1440 |
| Document Number | 0000012965 |
|---|---|
| Date | Feb 5, 2018 |
| Book Page | 009271/008826 |
| Instrument | 12965 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 4, 2033 |
The 2025 property tax bill for 3 Terrence Ter was $11,142, down 1.6% from the year before.
Source: Monmouth County and Freehold Township assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| County Subdivision | Freehold Township |
| Secondary School District | Freehold Regional School District (09 - 12) |
| Elementary School District | Freehold Township School District (KG - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $637,300 (-2.76%) Land $258,500 Building $378,800 | $637,300 (-2.76%) Land $258,500 Building $378,800 | |
| 2025 | $11,142.00 (-1.62%) | $655,400 Land $254,800 Building $400,600 | $655,400 Land $254,800 Building $400,600 |
| 2024 | $11,326.00 | ||
| 2023 | $578,400 Land $226,000 Building $352,400 | $578,400 Land $226,000 Building $352,400 | |
| 2022 | $10,697.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Terrence Ter in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 18, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 3 Terrence Ter is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · above 64% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
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 | FREEHOLD TWP WATER DEPT serves 29,831 people · EPA ID NJ1316001 |
|---|---|
| Water Source | Purchased surface water from VEOLIA WATER NEW JERSEY MATCHAPONIX |
| Last State Inspection | Dec 2023 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 66 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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