428 Harmony Rd, Middletown, NJ 07748 Property Records

Monmouth County and Middletown Township property record for 428 Harmony Rd, Middletown, NJ 07748

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,672 sqft · built 1958
Lot Size	0.287 acres (12,502 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Feb 2018)
Tax Bill	$9,482 (2025)
Deeds & Mortgages	Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32-00583-0000-00008`

Property Details

APN / Parcel Number

Primary APN	`32-00583-0000-00008`
Alternative APNs	`320058300008` `7315`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,672 sqft Living Area
1st Floor Area	1,672 sqft
Upper Floors Area	760 sqft
Basement Area	304 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Bi-Level
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	12,502 sqft (0.287 acres)
Lot Dimensions	125 ft deep x 100 ft wide
Parking Spaces	1 Parking Space
Porch	Open Porch
Patio Area	400 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	7315
Street Address	428 HARMONY RD
City	MIDDLETOWN
State	NJ
Zip	07748-1129
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R22
Legal Subdivision	MIDDLETOWN
Legal Block	583
Legal Lot Number	8
Jurisdiction	MONMOUTH NJ
Township / Civil Division	MIDDLETOWN
Census Block Group	1
Census Block	1000
Census Tract	800701

Owner

Source: Monmouth County and Middletown 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	Individual Name on Record
Mailing Address	428 HARMONY RD, MIDDLETOWN, NJ 07748-1129
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2018 · Amount on Record
Deed Sale	Feb 2, 2018 · Amount on Record
Prior Sale	Sep 15, 1983 · Amount on Record
Deed Document Number	201812530
Deed Book / Page	9271 / 6970
Prior Transfer Date	Jan 9, 2018
Prior Transfer Doc	0092716979
Record Updated	Sep 20, 2026

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Feb 2, 2018
Property Address	428 HARMONY RD, MIDDLETOWN, NJ 07748-1129
Document Number	0000012530
Book / Page	009271 / 006970
Instrument Date	Jan 9, 2018
Instrument	12530
Transaction Type	Transfer
Record Updated	Mar 7, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 HARMONY RD MIDDLETOWN NJ 077481129, MIDDLETOWN, NJ 07748-1129

Mortgage

Document Number	12531
Date	Feb 2, 2018
Book Page	009271/006979
Instrument	12531

Lender

Name	JOHN R & KATHLEEN MARCOTTE
Address	428 HARMONY RD, MIDDLETOWN, NJ 07748-1129
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	84 Months
Due	Feb 1, 2025

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		$604,900 (+2.96%) Land $434,000 Building $170,900	$604,900 (+2.96%) Land $434,000 Building $170,900
2025	$9,482.00 (+22.35%)	$587,500 (+39.38%) Land $384,500 Building $203,000	$587,500 (+39.38%) Land $384,500 Building $203,000
2024	$7,750.00 (+13.14%)
2023		$421,500 Land $259,200 Building $162,300	$421,500 Land $259,200 Building $162,300
2022	$6,850.00

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	14 (1985–2026)
Claims Outside the SFHA	6 of 14
Most Recent Claim	Jul 2026 · river or lake flooding
Claims by Event	Hurricane Irene, Aug 2011 · 5 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 98% of the US · lower than 94% of New Jersey
Wildfire Likelihood	Under 0.01% 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 405 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20