Monmouth County and Howell Township property record for 38 Spruce Rd, Howell, NJ 07731
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,644 sqft · built 1960 |
| Lot Size | 0.321 acres (14,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $425,000 (Sep 2023) |
| Tax Bill | $7,960 (2025) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage Dec 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-00065-0000-00036 |
| Primary APN | 21-00065-0000-00036 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Building Area | 1,644 sqft Living Area |
| 1st Floor Area | 880 sqft |
| Upper Floors Area | 1,028 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Bi-Level |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 14,000 sqft (0.321 acres) |
| Lot Dimensions | 140 ft deep x 100 ft wide |
| Garage Type | Built-in |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 80 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Septic |
| Account Number | 034670 |
|---|---|
| Street Address | 38 SPRUCE RD |
| City | HOWELL |
| State | NJ |
| Zip | 07731-1423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3A |
| Legal Subdivision | LAND-O-PINES |
| Legal Block | 65 |
| Legal Lot Number | 36 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | HOWELL |
| Census Block Group | 3 |
| Census Block | 3027 |
| Census Tract | 811200 |
Source: Monmouth County and Howell Township records · APN 21-00065-0000-00036
Assessment roll updated July 9, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 38 SPRUCE RD, HOWELL, NJ 07731-1423 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 18, 2023 | Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC |
| Dec 02, 2022 | Deed, Transfer MADISON TITLE AGENCY LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 18, 2023 · Amount on Record |
| Deed Sale | Sep 18, 2023 · Amount on Record |
| Prior Sale | Dec 02, 2022 · Amount on Record |
| Deed Document Number | 202364495 |
| Deed Book / Page | 9660 / 268 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Sep 18, 2023 |
| Property Address | 38 SPRUCE RD, HOWELL, NJ 07731-1423 |
| Document Number | 0096600268 |
| Book / Page | 9660 / 268 |
| Instrument Date | Sep 06, 2023 |
| Instrument | 2023064495 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2023 |
| Title Company | COASTAL TITLE, COASTAL TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,455.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14 STEUBEN LN, JACKSON, NJ 08527-2043 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 38 SPRUCE RD, HOWELL, NJ 07731-1423 |
| Document Number | 2023064496 |
|---|---|
| Date | Sep 18, 2023 |
| Instrument | 2023064496 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Dec 02, 2022 |
| Property Address | 38 SPRUCE RD, HOWELL, NJ 07731-1423 |
| Document Number | 0096264286 |
| Book / Page | 9626 / 4286 |
| Instrument Date | Nov 29, 2022 |
| Instrument | 2022116318 |
| Transaction Type | Transfer |
| Record Updated | Jan 05, 2023 |
| Title Company | MADISON TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,910.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 45 SPRUCE RD, HOWELL, NJ 07731-1426 |
| Name | Verified Name |
|---|---|
| Address | 14 STEUBEN LN, JACKSON, NJ 08527-2043 |
Source: Monmouth County and Howell Township records · Assessment roll updated July 9, 2026 · Last verified July 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) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $457,600 (-1.29%) Land $290,700 Building $166,900 | $457,600 (-1.29%) Land $290,700 Building $166,900 | |
| 2025 | $7,960.00 (+4.99%) | $463,600 (+44.02%) Land $290,700 Building $172,900 | $463,600 (+44.02%) Land $290,700 Building $172,900 |
| 2024 | $7,582.00 (+44.36%) | ||
| 2023 | $321,900 (+28.5%) Land $219,500 Building $102,400 | $321,900 (+28.5%) Land $219,500 Building $102,400 | |
| 2022 | $5,252.00 (+3.69%) | $250,500 Land $153,000 Building $97,500 | $250,500 Land $153,000 Building $97,500 |
| 2021 | $5,065.00 |
Source: FEMA National Flood Hazard Layer as of September 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 4 (1984) |
| Most Recent Claim | Jun 1984 · tidal / storm surge |
| Wildfire Risk | Low lower than 65% of the US · above 54% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
May also be available: AT&T.
Based on FCC filings for 283 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NJ AMERICAN WATER - COASTAL NORTH private · serves 377,613 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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