Monmouth County and Howell Township property record for 409 Middle Ln, Howell, NJ 07731
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 800 sqft · built 1953 |
| Lot Size | 0.218 acres (9,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $435,000 (Jan 2026) |
| Tax Bill | $5,870 (2025) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage Aug 2023 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-00082-0000-00005 |
| Primary APN | 21-00082-0000-00005 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 800 sqft Living Area |
| 1st Floor Area | 800 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 9,500 sqft (0.218 acres) |
| Lot Dimensions | 125 ft deep x 76 ft wide |
| Garage Type | Attached |
| Garage Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 280 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Account Number | 040180 |
|---|---|
| Street Address | 409 MIDDLE LN |
| City | HOWELL |
| State | NJ |
| Zip | 07731-1914 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3A |
| Legal Subdivision | LAND-O-PINES SEC 07 |
| Legal Block | 82 |
| Legal Lot Number | 5 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | HOWELL |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 811304 |
409 Middle Ln is owned and occupied by an individual who bought it in January 2026.
Source: Monmouth County and Howell Township records, as of July 9, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 409 MIDDLE LN, HOWELL, NJ 07731-1914 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married |
| Date | Document |
|---|---|
| Jan 5, 2026 | Deed, Transfer · Conventional Mortgage QUONTIC BANK FSB |
| Aug 7, 2023 | Deed of Trust, Mortgage · FHA Mortgage M & T BANK |
| Jul 18, 2022 | Deed of Trust, Mortgage · FHA Mortgage M & T BANK |
| Jan 16, 2020 | Loan Modification, Mortgage · FHA Mortgage M&T BK |
| Jan 16, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Jun 29, 2018 | Grant Deed, Transfer · Conventional Mortgage PRIMARY RESID'L MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 5, 2026 · Amount on File |
| Deed Sale | Jan 5, 2026 · Amount on File |
| Prior Sale | Jun 29, 2018 · Amount on File |
| Deed Document Number | 2026566 |
| Deed Book / Page | 9773 / 3319 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jan 5, 2026 |
| Property Address | 409 MIDDLE LN, HOWELL, NJ 07731-1914 |
| Document Number | 0097733319 |
| Book / Page | 9773 / 3319 |
| Instrument Date | Dec 30, 2025 |
| Instrument | 2026000566 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | NORTH STAR TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,551.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 48 CHAMBERLIN CT, LAWRENCE TOWNSHIP, NJ 08648-2624 |
| Name | Verified Name |
|---|---|
| Address | 409 MIDDLE LN, HOWELL, NJ 07731-1914 |
| Document Number | 0097765227 |
|---|---|
| Date | Jan 23, 2026 |
| Book Page | 9776/5227 |
| Instrument | 2026007131 |
| Name | QUONTIC BANK FSB |
|---|---|
| Type | Bank |
| Address | ASTORIA, NY 11106 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 409 MIDDLE LN, HOWELL, NJ 07731-1914 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 409 MIDDLE LN, HOWELL, NJ 07731-1914 |
| Document Number | 0096548131 |
|---|---|
| Date | Aug 7, 2023 |
| Book Page | 9654/8131 |
| Instrument | 2023053841 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | GETZVILLE, NY 14068 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 318 Months |
| Due | Feb 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 409 MIDDLE LN, HOWELL, NJ 07731-1914 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 409 MIDDLE LN, HOWELL, NJ 07731-1914 |
| Document Number | 0096056228 |
|---|---|
| Date | Jul 18, 2022 |
| Book Page | 9605/6228 |
| Instrument | 2022073799 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | GETZVILLE, NY 14068 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 331 Months |
| Due | Feb 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 409 MIDDLE LN, HOWELL, NJ 07731-1914 |
| Document Number | 0000028765 |
| Instrument Date | Jan 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 409 MIDDLE LN HOWELL NJ 077311914, HOWELL, NJ 07731-1914 |
| Document Number | 0000028765 |
|---|---|
| Date | Mar 12, 2020 |
| Book Page | 009402/004387 |
| Instrument | 28765 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Address | GETZVILLE, NY 14068 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 11, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 409 MIDDLE LN, HOWELL, NJ 07731-1914 |
| Document Number | 0000028766 |
| Instrument Date | Jan 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 409 MIDDLE LN HOWELL NJ 077311914, HOWELL, NJ 07731-1914 |
| Document Number | 0000028766 |
|---|---|
| Date | Mar 12, 2020 |
| Book Page | 009402/004413 |
| Instrument | 28766 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 11, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jun 29, 2018 |
| Property Address | 409 MIDDLE LN, HOWELL, NJ 07731-1914 |
| Document Number | 0000064520 |
| Book / Page | 009295 / 001179 |
| Instrument Date | May 7, 2018 |
| Instrument | 64520 |
| Transaction Type | Transfer |
| Record Updated | Jun 24, 2020 |
| Title Company | PROPERTY TRANSFER SERVICES INC, PROPERTY TRANSFER SVCS INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $210.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 409 MIDDLE LN HOWELL NJ 077311914, HOWELL, NJ 07731-1914 |
| Document Number | 64522 |
|---|---|
| Date | Jun 29, 2018 |
| Book Page | 009295/001195 |
| Instrument | 64522 |
| Name | PRIMARY RESID'L MTG |
|---|---|
| Type | Mortgage Company |
| Address | SALT LAKE CITY, UT 84116 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 28, 2048 |
| Document Number | 64521, |
|---|---|
| Date | Jun 29, 2018 |
| Book Page | 009295/001185 |
| Instrument | 64521 |
| Name | PRIMARY RESID'L MTG |
|---|---|
| Type | Mortgage Company |
| Address | SALT LAKE CITY, UT 84116 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 28, 2048 |
The 2025 property tax bill for 409 Middle Ln was $5,870, up 3.2% 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 | $381,500 (+11.84%) Land $289,900 Building $91,600 | $381,500 (+11.84%) Land $289,900 Building $91,600 | |
| 2025 | $5,870.00 (+3.18%) | $341,100 Land $250,400 Building $90,700 | $341,100 Land $250,400 Building $90,700 |
| 2024 | $5,689.00 | ||
| 2023 | $298,900 Land $211,900 Building $87,000 | $298,900 Land $211,900 Building $87,000 | |
| 2022 | $5,750.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 Middle Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.
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 | 3 in force |
| Nearby Flood Claims | 1 (2019) |
| Most Recent Claim | May 2019 · other causes |
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 409 Middle Ln is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 356 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures