Monmouth County and Freehold Township property record for 41 Howe Ln, Freehold, NJ 07728
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,583 sqft · built 1978 |
| Lot Size | 0.817 acres (35,602 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $465,000 (Jun 2019) |
| Tax Bill | $13,434 (2025) |
| Deeds & Mortgages | Sep 2023 Second Mortgage Sep 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-00093-01-00010 |
| Primary APN | 17-00093-01-00010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,583 sqft Living Area |
| 1st Floor Area | 1,407 sqft |
| Upper Floors Area | 1,176 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 35,602 sqft (0.817 acres) |
| Lot Dimensions | 200 ft deep x 178 ft wide |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Deck Area | 882 sqft |
| Shed | 1 Shed |
| Shed Area | 128 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 5099000 |
|---|---|
| Street Address | 41 HOWE LN |
| City | FREEHOLD |
| State | NJ |
| Zip | 07728-3336 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-25 |
| Legal Subdivision | HOWE LANE ESTATES |
| Legal Block | 93.1 |
| Legal Lot Number | 10 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | FREEHOLD |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 810600 |
41 Howe Ln is owned and occupied by two individuals who bought it in June 2019.
Source: Monmouth County and Freehold Township records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 41 HOWE LN, FREEHOLD, NJ 07728-3336 |
| 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 |
|---|---|
| Sep 22, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Sep 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jul 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BK |
| Jun 18, 2019 | Deed with Mortgage, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 18, 2019 · Amount on File |
| Deed Sale | Jun 18, 2019 · Amount on File |
| Prior Sale | May 28, 2003 · Amount on File |
| Deed Document Number | 201953925 |
| Deed Book / Page | 9353 / 6775 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 41 HOWE LN, FREEHOLD, NJ 07728-3336 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2023 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC OH |
| Name | Verified Name |
|---|
| Document Number | 0096606574 |
|---|---|
| Date | Sep 22, 2023 |
| Book Page | 9660/6574 |
| Instrument | 2023065840 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 20, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 41 HOWE LN, FREEHOLD, NJ 07728-3336 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2021 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0095461549 |
|---|---|
| Date | Sep 24, 2021 |
| Book Page | 9546/1549 |
| Instrument | 2021143381 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 41 HOWE LN, FREEHOLD, NJ 07728-3336 |
| Document Number | 0000078163 |
| Instrument Date | Jul 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2020 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 41 HOWE LN FREEHOLD NJ 077283336, FREEHOLD, NJ 07728-3336 |
| Document Number | 0000078163 |
|---|---|
| Date | Jul 21, 2020 |
| Book Page | 009428/001924 |
| Instrument | 78163 |
| Name | DISCOVER BK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 20, 2050 |
| Document Type | Deed with Mortgage |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jun 18, 2019 |
| Property Address | 41 HOWE LN, FREEHOLD, NJ 07728-3336 |
| Document Number | 0000053925 |
| Book / Page | 009353 / 006781 |
| Instrument Date | May 15, 2019 |
| Instrument | 53925 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2019 |
| Title Company | ALL AHEAD TITLE AGENCY LLC, ALL AHEAD TITLE AGCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $465.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 41 HOWE LN FREEHOLD NJ 077283336, FREEHOLD, NJ 07728-3336 |
| Document Number | 53926 |
|---|---|
| Date | Jun 18, 2019 |
| Book Page | 009353/006781 |
| Instrument | 53926 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 17, 2049 |
The 2025 property tax bill for 41 Howe Ln was $13,434, up 9.5% from the year before.
Source: Monmouth County and Freehold Township assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| County Subdivision | Freehold Township |
| Secondary School District | Freehold Regional School District (09 - 12) |
| Elementary School District | Freehold Township School District (KG - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $846,900 (+7.3%) Land $348,700 Building $498,200 | $846,900 (+7.3%) Land $348,700 Building $498,200 | |
| 2025 | $13,434.00 (+9.54%) | $789,300 Land $321,500 Building $467,800 | $789,300 Land $321,500 Building $467,800 |
| 2024 | $12,264.00 | ||
| 2023 | $646,500 Land $284,000 Building $362,500 | $646,500 Land $284,000 Building $362,500 | |
| 2022 | $11,132.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 41 Howe Ln 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 | 2 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 41 Howe Ln is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · above 57% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 | FREEHOLD TWP WATER DEPT serves 29,831 people · EPA ID NJ1316001 |
|---|---|
| Water Source | Purchased surface water from VEOLIA WATER NEW JERSEY MATCHAPONIX |
| Last State Inspection | Dec 2023 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 148 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 |
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