404 S Laurel Ave, Middletown, NJ 07748 Property Records

Monmouth County and Middletown Township property record for 404 S Laurel Ave, Middletown, NJ 07748

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,324 sqft · built 2009
Lot Size	1.94 acres (84,800 sqft)
Owner	2 Individual Names on File
Last Sale	$690,000 (Oct 2020)
Tax Bill	$12,864 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`32-00795-0000-00003-07`

Property Details

APN / Parcel Number

Primary APN	`32-00795-0000-00003-07`
Alternative APN	`32007950000000030007`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,324 sqft Living Area
1st Floor Area	2,072 sqft
Upper Floors Area	1,896 sqft
Basement Area	1,428 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Other
Lot Area	84,800 sqft
Lot Dimensions	400 ft deep x 212 ft wide
Garage Type	Built-in
Porch	Open Porch
Deck Area	460 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	404 S LAUREL AVE
City	MIDDLETOWN
State	NJ
Zip	07748-1902
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R45
Legal Subdivision	COSMA CHIAPPETTA
Legal Block	795
Legal Lot Number	3.7
Jurisdiction	MONMOUTH NJ
Township / Civil Division	MIDDLETOWN
Census Block Group	3
Census Block	3001
Census Tract	801100

Owner

Source: Monmouth County and Middletown Township assessment roll, as of July 9, 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	404 S LAUREL AVE, MIDDLETOWN, NJ 07748-1902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 6, 2020 · Amount on Record
Deed Sale	Oct 6, 2020 · Amount on Record
Prior Sale	May 5, 2016 · Amount on Record
Deed Document Number	2020115688
Deed Book / Page	9446 / 9255
Prior Transfer Date	Oct 29, 2008
Prior Transfer Doc	0087454827
Record Updated	Sep 20, 2026

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Oct 6, 2020
Property Address	404 S LAUREL AVE, MIDDLETOWN, NJ 07748-1902
Document Number	0000115688
Book / Page	009446 / 009255
Instrument Date	Sep 2, 2020
Instrument	115688
Transaction Type	Transfer
Record Updated	Nov 6, 2020
Title Company	ANGEL TITLE AND ABSTRACT INC, ANGEL TITLE & ABS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$690.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	404 S LAUREL AVE MIDDLETOWN NJ 077481902, MIDDLETOWN, NJ 07748-1902

Mortgage

Document Number	115689
Date	Oct 6, 2020
Book Page	009446/009354
Instrument	115689

Lender

Name	MORTGAGE UNLIMITED
Type	Mortgage Company
Address	GARFIELD, NJ 07026

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 5, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
County Subdivision	Middletown Township
Unified School District	Middletown Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$813,500 (+2.07%) Land $144,600 Building $668,900	$813,500 (+2.07%) Land $144,600 Building $668,900
2025	$12,864.00 (+3.13%)	$797,000 (+7.88%) Land $126,600 Building $670,400	$797,000 (+7.88%) Land $126,600 Building $670,400
2024	$12,474.00 (-7.45%)
2023		$738,800 Land $121,800 Building $617,000	$738,800 Land $121,800 Building $617,000
2022	$13,478.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1980–1982)
Most Recent Claim	Jan 1982 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 54% 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 85 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