42 Cherry Tree Cir, Howell, NJ 07731 Property Records

Monmouth County and Howell Township property record for 42 Cherry Tree Cir, Howell, NJ 07731

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,390 sqft · built 1985
Lot Size	0.372 acres (16,191 sqft)
Owner	2 Individual Names on Record
Tax Bill	$11,445 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Dec 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-00078-0000-00171`

Property Details

APN / Parcel Number

Primary APN	`21-00078-0000-00171`
Alternative APNs	`210007800171` `03878176`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,390 sqft Living Area
1st Floor Area	1,334 sqft
Upper Floors Area	1,056 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Other
Lot Area	16,191 sqft (0.372 acres)
Lot Dimensions	176 ft deep x 92 ft wide
Garage Type	Attached
Garage Area	412 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Deck Area	264 sqft
Patio Area	540 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	03878176
Street Address	42 CHERRY TREE CIR
City	HOWELL
State	NJ
Zip	07731-1527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	78
Legal Lot Number	171
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HOWELL
Census Block Group	1
Census Block	1013
Census Tract	811304

Owner

Source: Monmouth County and Howell Township records, 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 Record
Mailing Address	42 CHERRY TREE CIR, HOWELL, NJ 07731-1527
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2020	Deed of Trust, Mortgage · Conventional with PMI ADVISORS MTG
Dec 22, 2017	Deed of Trust, Mortgage · Line of Credit FULTON BK
Apr 24, 2017	Grant Deed, Transfer · Conventional Mortgage ADVISORS MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	42 CHERRY TREE CIR, HOWELL, NJ 07731-1527
Document Number	0000076655
Instrument Date	Jun 19, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	SEBER TITLE AGENCY LLC, SEBER TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	42 CHERRY TREE CIR HOWELL NJ 077311527, HOWELL, NJ 07731-1527

Mortgage

Document Number	0000076655
Date	Jul 16, 2020
Book Page	009427/005041
Instrument	76655

Lender

Name	ADVISORS MTG
Type	Mortgage Company
Address	OCEAN, NJ 07712

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 15, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	42 CHERRY TREE CIR, HOWELL, NJ 07731-1527
Document Number	0000017025
Instrument Date	Dec 22, 2017
Transaction Type	Mortgage
Record Updated	Mar 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 CHERRY TREE CIR HOWELL NJ 077311527, HOWELL, NJ 07731-1527

Mortgage

Document Number	0000017025
Date	Feb 13, 2018
Book Page	009273/007650
Instrument	17025

Lender

Name	FULTON BK
Type	Bank
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Apr 24, 2017
Property Address	42 CHERRY TREE CIR, HOWELL, NJ 07731-1527
Document Number	0000042113
Book / Page	009224 / 002474
Instrument Date	Apr 5, 2017
Instrument	42113
Transaction Type	Transfer
Record Updated	May 19, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$380.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	42 CHERRY TREE CIR HOWELL NJ 077311527, HOWELL, NJ 07731-1527

Mortgage

Document Number	42114
Date	Apr 24, 2017
Book Page	009224/002487
Instrument	42114

Lender

Name	ADVISORS MTG
Type	Mortgage Company
Address	OCEAN, NJ 07712

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$708,000 (+6.47%) Land $377,200 Building $330,800	$708,000 (+6.47%) Land $377,200 Building $330,800
2025	$11,445.00 (+4.85%)	$665,000 (+28.75%) Land $337,200 Building $327,800	$665,000 (+28.75%) Land $337,200 Building $327,800
2024	$10,916.00 (+25.53%)
2023		$516,500 Land $202,200 Building $314,300	$516,500 Land $202,200 Building $314,300
2022	$8,696.00

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (2011)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 2 claims

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 62% of the US · above 58% of New Jersey
Wildfire Likelihood	0.05% 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.

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 418 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable · Fiber in parts of the area	940 / 35
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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