4 Spruce Rd, Howell, NJ 07731 Property Records

Monmouth County and Howell Township property record for 4 Spruce Rd, Howell, NJ 07731

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,336 sqft · built 1958
Lot Size	0.335 acres (14,601 sqft)
Owner	Individual Name on File
Last Sale	$475,000 (Jul 2026)
Tax Bill	$7,478 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jul 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-00065-0000-00053`

Property Details

APN / Parcel Number

Primary APN	`21-00065-0000-00053`
Alternative APNs	`210006500053` `034840`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,336 sqft Living Area
1st Floor Area	1,336 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Other
Lot Area	14,601 sqft (0.335 acres)
Lot Dimensions	146 ft deep x 100 ft wide
Patio Area	468 sqft
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	034840
Street Address	4 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 SEC 3
Legal Block	65
Legal Lot Number	53
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HOWELL
Census Block Group	3
Census Block	3027
Census Tract	811200

Owner

4 Spruce Rd is owned and occupied by an individual who bought it in July 2026.

Source: Monmouth County and Howell Township records, as of October 16, 2026

Owner of Record	Individual Name on File
Mailing Address	4 SPRUCE RD, HOWELL, NJ 07731-1423
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

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
Sep 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 27, 2026	Deed, Transfer · Conventional Mortgage EVIDENT TITLE AGENCY INC, EVIDENT TITLE AGENCY
Jun 5, 2026	Deed of Trust, Mortgage · Construction Mortgage AMERICAN MORTGAGE ACCEPTANCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2026 · Amount on File
Deed Sale	Jul 27, 2026 · Amount on File
Prior Sale	Nov 28, 2012 · Amount on File
Deed Document Number	202661146
Deed Book / Page	9804 / 5553
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Recording Date	Sep 25, 2026
Property Address	4 SPRUCE RD, HOWELL, NJ 07731-1423
Document Number	0000078520
Book / Page	9814 / 2934
Instrument Date	Sep 15, 2026
Instrument	202678520
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	EVIDENT TITLE AGENCY INC, EVIDENT TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 SPRUCE RD, HOWELL, NJ 07731-1423

Mortgage

Document Number	0000078520,
Date	Sep 25, 2026
Book Page	9814/2934
Instrument	202678520

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Jul 27, 2026
Property Address	4 SPRUCE RD, HOWELL, NJ 07731-1423
Document Number	0000061146
Book / Page	9804 / 5553
Instrument Date	Jun 24, 2026
Instrument	202661146
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	EVIDENT TITLE AGENCY INC, EVIDENT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$47,975.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 SPRUCE RD, HOWELL, NJ 07731-1423

Mortgage

Document Number	0000061147,
Date	Jul 27, 2026
Instrument	202661147

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Recording Date	Jun 5, 2026
Property Address	4 SPRUCE RD, HOWELL, NJ 07731-1423
Document Number	0000045828
Book / Page	9796 / 6626
Instrument Date	Jun 3, 2026
Instrument	202645828
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	GREEN LABEL TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 SPRUCE RD, HOWELL, NJ 07731-1423

Mortgage

Document Number	0000045828,
Date	Jun 5, 2026
Book Page	9796/6626
Instrument	202645828

Lender

Name	AMERICAN MORTGAGE ACCEPTANCE

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	6 Months
Due	Dec 1, 2026

Interest

Rate Type	Balloon
Rate	6.37%
Initial Type	Balloon
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 4 Spruce Rd was $7,478, up 5.8% from the year before.

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$436,700 (+0.28%) Land $306,800 Building $129,900	$436,700 (+0.28%) Land $306,800 Building $129,900
2025	$7,478.00 (+5.83%)	$435,500 Land $306,800 Building $128,700	$435,500 Land $306,800 Building $128,700
2024	$7,066.00
2023		$355,200 Land $231,800 Building $123,400	$355,200 Land $231,800 Building $123,400
2022	$5,856.00

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

Flood

FEMA maps place 4 Spruce Rd in Zone X, an area of minimal flood risk, though there have been 4 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	1 in force
Nearby Flood Claims	4 (1984)
Most Recent Claim	Jun 1984 · tidal / storm surge

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 4 Spruce Rd is low, with a 0.03% 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	0.03% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 283 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: AT&T.

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