321 Harvard Oval, Freehold, NJ 07728 Property Records

Monmouth County and Freehold Township property record for 321 Harvard Oval, Freehold, NJ 07728

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,928 sqft · built 2003
Lot Size	0.368 acres (16,013 sqft)
Owner	2 Individual Names on File
Last Sale	$518,887 (Aug 2003)
Tax Bill	$17,520 (2025)
Deeds & Mortgages	May 2021 Mortgage Nov 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`17-00085-53-00015`

Property Details

APN / Parcel Number

Primary APN	`17-00085-53-00015`
Alternative APNs	`1700085005300015` `4040055`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,928 sqft Living Area
1st Floor Area	2,499 sqft
Upper Floors Area	1,489 sqft
Basement Area	2,415 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Other
Lot Area	16,013 sqft (0.368 acres)
Lot Dimensions	157 ft deep x 102 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	506 sqft
Patio Area	231 sqft
Shed	1 Shed
Shed Area	112 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4040055
Street Address	321 HARVARD OVAL
City	FREEHOLD
State	NJ
Zip	07728-5398
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-25
Legal Subdivision	COLLEGE PARK SEC 8
Legal Block	85.53
Legal Lot Number	15
Jurisdiction	MONMOUTH NJ
Township / Civil Division	FREEHOLD
Census Block Group	2
Census Block	2029
Census Tract	810505

Owner

321 Harvard Oval is owned and occupied by two individuals who bought it in August 2003.

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

Owner of Record	2 Individual Names on File
Mailing Address	321 HARVARD OVAL, FREEHOLD, NJ 07728-5398
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.

Deeds, Mortgages & Sale History

Date	Document
May 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage SANTANDER BANK NA
Nov 15, 2018	Deed of Trust, Mortgage · Line of Credit TD BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2003 · Amount on File
Deed Sale	Aug 13, 2003 · Amount on File
Deed Book / Page	8268 / 3753
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	321 HARVARD OVAL, FREEHOLD, NJ 07728-5398
Transaction Type	Mortgage
Record Updated	Jun 10, 2021
Title Company	EQUITY ONE ABSTRACT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0095147048
Date	May 25, 2021
Book Page	9514/7048
Instrument	2021084283

Lender

Name	SANTANDER BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	321 HARVARD OVAL, FREEHOLD, NJ 07728-5398
Document Number	0000118056
Instrument Date	Nov 15, 2018
Transaction Type	Mortgage
Record Updated	Dec 24, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 HARVARD OVAL FREEHOLD NJ 077285398, FREEHOLD, NJ 07728-5398

Mortgage

Document Number	0000118056
Date	Dec 10, 2018
Book Page	009326/002517
Instrument	118056

Lender

Name	TD BK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 9, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 321 Harvard Oval was $17,520, down 0.8% from the year before.

Source: Monmouth County and Freehold Township assessment roll, as of July 9, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,074,100 (+4.34%) Land $333,700 Building $740,400	$1,074,100 (+4.34%) Land $333,700 Building $740,400
2025	$17,520.00 (-0.76%)	$1,029,400 Land $295,800 Building $733,600	$1,029,400 Land $295,800 Building $733,600
2024	$17,654.00
2023		$905,200 Land $310,800 Building $594,400	$905,200 Land $310,800 Building $594,400
2022	$16,192.00

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

Flood

FEMA maps place 321 Harvard Oval 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	2 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

Wildfire risk around 321 Harvard Oval is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 55% of New Jersey
Wildfire Likelihood	0.05% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 184 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

May also be available: Xfinity.

Nearby Properties on Harvard Oval

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures