Monmouth County and Howell Township property record for 40 Arbor Dr, Howell, NJ 07731
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,262 sqft · built 1988 |
| Lot Size | 0.217 acres (9,448 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $390,000 (Oct 2019) |
| Tax Bill | $10,524 (2025) |
| Deeds & Mortgages | May 2020 Line of Credit Oct 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-00138-08-00001-45 |
| Primary APN | 21-00138-08-00001-45 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Building Area | 2,262 sqft Living Area |
| 1st Floor Area | 1,490 sqft |
| Upper Floors Area | 1,224 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 9,448 sqft (0.217 acres) |
| Lot Dimensions | 105 ft deep x 90 ft wide |
| Garage Type | Built-in |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 208 sqft |
| Patio Area | 208 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 40000145 |
|---|---|
| Street Address | 40 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 | 1.45 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | HOWELL |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 811301 |
40 Arbor Dr is owned and occupied by two individuals who bought it in October 2019.
Source: Monmouth County and Howell Township records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 40 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 |
|---|---|
| May 2, 2020 | Deed of Trust, Mortgage · Line of Credit PROVIDENT BK |
| Oct 10, 2019 | Grant Deed, Transfer · Conventional Mortgage BOND STREET MTG |
| Dec 17, 2018 | Deed of Trust, Mortgage · Line of Credit TD BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 10, 2019 · Amount on File |
| Deed Sale | Oct 10, 2019 · Amount on File |
| Prior Sale | Feb 6, 1999 · Amount on File |
| Deed Document Number | 201995450 |
| Deed Book / Page | 9373 / 4439 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 40 ARBOR DR, HOWELL, NJ 07731-3080 |
| Document Number | 0000085806 |
| Instrument Date | May 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 40 ARBOR DR HOWELL NJ 077313080, HOWELL, NJ 07731-3080 |
| Document Number | 0000085806 |
|---|---|
| Date | Aug 7, 2020 |
| Book Page | 009431/007839 |
| Instrument | 85806 |
| Name | PROVIDENT BK |
|---|---|
| Type | Bank |
| Address | ISELIN, NJ 08830 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Oct 10, 2019 |
| Property Address | 40 ARBOR DR, HOWELL, NJ 07731-3080 |
| Document Number | 0000095450 |
| Book / Page | 009373 / 004439 |
| Instrument Date | Sep 26, 2019 |
| Instrument | 95450 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2019 |
| Title Company | TWO RIVERS TITLE COMPANY LLC, TWO RIVERS TITLE CO LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $390.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 40 ARBOR DR HOWELL NJ 077313080, HOWELL, NJ 07731-3080 |
| Document Number | 95451 |
|---|---|
| Date | Oct 10, 2019 |
| Book Page | 009373/004445 |
| Instrument | 95451 |
| Name | BOND STREET MTG |
|---|---|
| Type | Mortgage Company |
| Address | PARAMUS, NJ 07652 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 9, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 40 ARBOR DR, HOWELL, NJ 07731-3080 |
| Document Number | 0000003438 |
| Instrument Date | Dec 17, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2019 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 40 ARBOR DR HOWELL NJ 077313080, HOWELL, NJ 07731-3080 |
| Document Number | 0000003438 |
|---|---|
| Date | Jan 10, 2019 |
| Book Page | 009330/004515 |
| Instrument | 3438 |
| Name | TD BK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 9, 2049 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 40 Arbor Dr was $10,524, down 2.3% 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 | $639,200 (+2.83%) Land $360,900 Building $278,300 | $639,200 (+2.83%) Land $360,900 Building $278,300 | |
| 2025 | $10,524.00 (-2.28%) | $621,600 Land $345,900 Building $275,700 | $621,600 Land $345,900 Building $275,700 |
| 2024 | $10,770.00 | ||
| 2023 | $550,700 Land $255,900 Building $294,800 | $550,700 Land $255,900 Building $294,800 | |
| 2022 | $9,191.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 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 40 Arbor Dr is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 52% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.04% 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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