Monmouth County and Howell Township property record for 38 Arbor Dr, Howell, NJ 07731
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,100 sqft · built 1989 |
| Lot Size | 0.179 acres (7,802 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $11,033 (2025) |
| Deeds & Mortgages | Oct 2021 Line of Credit May 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-00138-08-00001-44 |
| Primary APN | 21-00138-08-00001-44 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,100 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Upper Floors Area | 1,028 sqft |
| Basement Area | 1,072 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 7,802 sqft (0.179 acres) |
| Lot Dimensions | 120 ft deep x 65 ft wide |
| Garage Area | 272 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 478 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 40000144 |
|---|---|
| Street Address | 38 ARBOR DR |
| City | HOWELL |
| State | NJ |
| Zip | 07731-3080 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Subdivision | POINTE/WOODS SEC 14 |
| Legal Block | 138.8 |
| Legal Lot Number | 1.44 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | HOWELL |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 811301 |
38 Arbor Dr is owned and occupied by an individual.
Source: Monmouth County and Howell Township records, as of July 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 38 ARBOR DR, HOWELL, NJ 07731-3080 |
| 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 |
|---|---|
| Oct 29, 2021 | Deed of Trust, Mortgage · Line of Credit LAKELAND BANK |
| May 21, 2018 | Deed of Trust, Mortgage · Conventional with PMI LAKELAND BK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 38 ARBOR DR, HOWELL, NJ 07731-3080 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2021 |
| Title Company | SEARCHTEC INC |
| Name | Verified Name |
|---|
| Document Number | 0095550155 |
|---|---|
| Date | Oct 29, 2021 |
| Book Page | 9555/155 |
| Instrument | 2021159712 |
| Name | LAKELAND BANK |
|---|---|
| Type | Bank |
| Address | OAK RIDGE, NJ 07438 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Nov 7, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 38 ARBOR DR, HOWELL, NJ 07731-3080 |
| Document Number | 0000057514 |
| Instrument Date | May 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 4, 2018 |
| Name | Verified Name |
|---|---|
| Address | 38 ARBOR DR HOWELL NJ 077313080, HOWELL, NJ 07731-3080 |
| Document Number | 0000057514 |
|---|---|
| Date | Jun 11, 2018 |
| Book Page | 009291/009265 |
| Instrument | 57514 |
| Name | LAKELAND BK |
|---|---|
| Type | Bank |
| Address | OAK RIDGE, NJ 07438 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jun 10, 2043 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 38 Arbor Dr was $11,033, up 1.6% from the year before.
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 | $643,900 (-1.2%) Land $357,500 Building $286,400 | $643,900 (-1.2%) Land $357,500 Building $286,400 | |
| 2025 | $11,033.00 (+1.58%) | $651,700 Land $342,500 Building $309,200 | $651,700 Land $342,500 Building $309,200 |
| 2024 | $10,861.00 | ||
| 2023 | $548,900 Land $252,500 Building $296,400 | $548,900 Land $252,500 Building $296,400 | |
| 2022 | $9,151.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 Arbor Dr 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 | 1 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 risk around 38 Arbor Dr 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 62% of the US · above 59% 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.
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 257 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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