Monmouth County and Howell Township property record for 415 Shady Ln, Howell, NJ 07731
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,096 sqft · built 1969 |
| Lot Size | 0.227 acres (9,875 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $320,000 (Jan 2023) |
| Tax Bill | $6,394 (2025) |
| Deeds & Mortgages | Nov 2022 Line of Credit Jan 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-00079-0000-00001 |
| Primary APN | 21-00079-0000-00001 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,096 sqft Living Area |
| 1st Floor Area | 1,096 sqft |
| Basement Area | 219 sqft |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 9,875 sqft (0.227 acres) |
| Lot Dimensions | 125 ft deep x 79 ft wide |
| Deck Area | 32 sqft |
| Shed | 1 Shed |
| Shed Area | 128 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Account Number | 038790 |
|---|---|
| Street Address | 415 SHADY LN |
| City | HOWELL |
| State | NJ |
| Zip | 07731-1918 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3A |
| Legal Description | FACILITY NAME: DISABLED VETERAN |
| Legal Subdivision | LAND OPINES SEC 07 |
| Legal Block | 79 |
| Legal Lot Number | 1 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | HOWELL |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 811304 |
415 Shady Ln is owned and occupied by two individuals who bought it in January 2023.
Source: Monmouth County and Howell Township records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 415 SHADY LN, HOWELL, NJ 07731-1918 |
| 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 |
|---|---|
| Nov 1, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Jan 11, 2023 | Deed, Transfer · Conventional Mortgage ABSOLUTE HOME MORTGAGE CORP |
| Mar 29, 2022 | Bargain and Sale Deed, Transfer · VA Mortgage NATIONSTAR MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 11, 2023 · Amount on File |
| Deed Sale | Jan 11, 2023 · Amount on File |
| Prior Sale | Mar 29, 2022 · Amount on File |
| Deed Document Number | 20232322 |
| Deed Book / Page | 9630 / 3555 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 415 SHADY LN, HOWELL, NJ 07731-1918 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2024 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 415 SHADY LANE, HOPEWELL TOWNSHIP, NJ 08525 |
| Document Number | 0096223533 |
|---|---|
| Date | Nov 1, 2022 |
| Book Page | 9622/3533 |
| Instrument | 2022108116 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Oct 18, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jan 11, 2023 |
| Property Address | 415 SHADY LN, HOWELL, NJ 07731-1918 |
| Document Number | 0096303555 |
| Book / Page | 9630 / 3555 |
| Instrument Date | Dec 31, 2022 |
| Instrument | 2023002322 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,871.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 66 DAKOTA TRL, BROWNS MILLS, NJ 08015-5225 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 415 SHADY LN, HOWELL, NJ 07731-1918 |
| Document Number | 2023002323 |
|---|---|
| Date | Jan 11, 2023 |
| Instrument | 2023002323 |
| Name | ABSOLUTE HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Mar 29, 2022 |
| Property Address | 415 SHADY LN, HOWELL, NJ 07731-1918 |
| Document Number | 0095872615 |
| Book / Page | 9587 / 2615 |
| Instrument Date | Mar 18, 2022 |
| Instrument | 2022035768 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2024 |
| Title Company | SOUTH JERSEY SETTLEMENT AGENCY, SOUTH JERSEY SETTLEMENT AGCY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2 WOODVIEW DR, HOWELL, NJ 07731-3825 |
| Name | Verified Name |
|---|---|
| Address | 415 SHADY LN, HOWELL, NJ 07731-1918 |
| Document Number | 2022035769 |
|---|---|
| Date | Mar 29, 2022 |
| Instrument | 2022035769 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
The 2025 property tax bill for 415 Shady Ln was $6,394, up 2.8% 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 | $401,900 (+8.18%) Land $290,800 Building $111,100 | $401,900 (+8.18%) Land $290,800 Building $111,100 | |
| 2025 | $6,394.00 (+2.81%) | $371,500 Land $251,300 Building $120,200 | $371,500 Land $251,300 Building $120,200 |
| 2024 | $6,219.00 | ||
| 2023 | $342,300 Land $212,800 Building $129,500 | $342,300 Land $212,800 Building $129,500 | |
| 2022 | $6,230.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 415 Shady 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 415 Shady Ln is low, with a 0.02% 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 | 0.02% 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 |
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