Monmouth County and Fair Haven Borough property record for 324 Harding Rd, Fair Haven, NJ 07704
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,195 sqft · built 1947 |
| Lot Size | 0.804 acres (35,040 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,435,000 (Apr 2026) |
| Tax Bill | $15,112 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-00001-0000-00003-01 |
| Primary APN | 14-00001-0000-00003-01 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 3,195 sqft Living Area |
| 1st Floor Area | 2,410 sqft |
| Basement Area | 1,596 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 35,040 sqft (0.804 acres) |
| Lot Dimensions | 292 ft deep x 120 ft wide |
| Garage Type | Detached |
| Garage Area | 616 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Sewer | Connected |
| Old Parcel Number | 1400001000000003 |
|---|---|
| Street Address | 324 HARDING RD |
| City | FAIR HAVEN |
| State | NJ |
| Zip | 07704-3126 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | OR ESCROW AGREEMENT/INTENT/WHI |
| Legal Block | 1 |
| Legal Lot Number | 3.1 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | FAIR HAVEN |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 803700 |
324 Harding Rd is owned and occupied by two individuals who bought it in April 2026.
Source: Monmouth County and Fair Haven Borough records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 324 HARDING RD, FAIR HAVEN, NJ 07704-3126 |
| 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 |
|---|---|
| Apr 2, 2026 | Deed, Transfer · Conventional Mortgage MANUFACTURERS BANK AND TRUST COMPANY |
| Apr 2, 2026 | Deed, Transfer · Conventional Mortgage FIT AGCY LLC, FIT AGENCY LLC |
| Nov 22, 2021 | Deed, Transfer · Conventional Mortgage GATEWAY FIRST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 2, 2026 · Amount on File |
| Deed Sale | Apr 2, 2026 · Amount on File |
| Prior Sale | Nov 22, 2021 · Amount on File |
| Deed Document Number | 202627598 |
| Deed Book / Page | 9787 / 1776 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Apr 2, 2026 |
| Property Address | 324 HARDING RD, FAIR HAVEN, NJ 07704-3126 |
| Document Number | 0097871776 |
| Book / Page | 9787 / 1776 |
| Instrument Date | Mar 13, 2026 |
| Instrument | 202627598 |
| Transaction Type | Transfer |
| Record Updated | Jun 3, 2026 |
| Title Company | FIT AGCY LLC, FIT AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $144,935.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 324 HARDING RD, FAIR HAVEN, NJ 07704-3126 |
| Document Number | 0000027599, |
|---|---|
| Date | Apr 2, 2026 |
| Instrument | 202627599 |
| Name | MANUFACTURERS BANK AND TRUST COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Apr 2, 2026 |
| Property Address | 324 HARDING RD, FAIR HAVEN, NJ 07704-3126 |
| Document Number | 0000027598 |
| Book / Page | 9787 / 1776 |
| Instrument Date | Mar 13, 2026 |
| Instrument | 2026.27598 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2026 |
| Title Company | FIT AGCY LLC, FIT AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $144,935.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 324 HARDING RD, FAIR HAVEN, NJ 07704-3126 |
| Document Number | 0000027599, |
|---|---|
| Date | Apr 2, 2026 |
| Instrument | 2026..27599 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Nov 22, 2021 |
| Property Address | 324 HARDING RD, FAIR HAVEN, NJ 07704-3126 |
| Document Number | 0095596655 |
| Book / Page | 9559 / 6655 |
| Instrument Date | Nov 9, 2021 |
| Instrument | 2021168633 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2021 |
| Title Company | FOUNDATION TITLE, FOUNDATION TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,093.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 29 CIRCLE DR, 29, RUMSON, NJ 07760-2301 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 324 HARDING RD, FAIR HAVEN, NJ 07704-3126 |
| Document Number | 2021168634 |
|---|---|
| Date | Nov 22, 2021 |
| Instrument | 2021168634 |
| Name | GATEWAY FIRST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
The 2025 property tax bill for 324 Harding Rd was $15,112, up 8.3% from the year before.
Source: Monmouth County and Fair Haven Borough assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| Municipality | Fair Haven Borough |
| Elementary School District | Fair Haven Borough School District (KG - 08) |
| Secondary School District | Rumson-Fair Haven Regional School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,086,300 (+2.58%) Land $697,000 Building $389,300 | $1,086,300 (+2.58%) Land $697,000 Building $389,300 | |
| 2025 | $15,112.00 (+8.31%) | $1,059,000 Land $673,200 Building $385,800 | $1,059,000 Land $673,200 Building $385,800 |
| 2024 | $13,953.00 | ||
| 2023 | $914,900 Land $545,000 Building $369,900 | $914,900 Land $545,000 Building $369,900 | |
| 2022 | $13,908.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 324 Harding Rd in Zone X, an area of minimal flood risk, though there have been 2 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 | 4 in force |
| Nearby Flood Claims | 2 (1984–2016) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2016 · rainfall accumulation |
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 risk around 324 Harding Rd is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 94% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 457 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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