Monmouth County and Howell Township property record for 45 Bernard Dr, Howell, NJ 07731
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,540 sqft · built 1986 |
| Lot Size | 0.184 acres (8,024 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $268,000 (Sep 2002) |
| Tax Bill | $10,040 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-00079-05-00015 |
| Primary APN | 21-00079-05-00015 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,540 sqft Living Area |
| 1st Floor Area | 840 sqft |
| Upper Floors Area | 700 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 8,024 sqft (0.184 acres) |
| Lot Dimensions | 107 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 168 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 03963515 |
|---|---|
| Street Address | 45 BERNARD DR |
| City | HOWELL |
| State | NJ |
| Zip | 07731-1965 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Subdivision | FRIENDSHIP ESTATES SEC 07 |
| Legal Block | 79.5 |
| Legal Lot Number | 15 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | HOWELL |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 811304 |
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 | 45 BERNARD DR, HOWELL, NJ 07731-1965 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 25, 2002 · Amount on Record |
| Deed Sale | Sep 25, 2002 · Amount on Record |
| Prior Sale | Apr 14, 2000 · Amount on Record |
| Deed Book / Page | 8148 / 1718 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 45 BERNARD DR, HOWELL, NJ 07731-1965 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2021 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0095250004 |
|---|---|
| Date | Jul 2, 2021 |
| Book Page | 9525/4 |
| Instrument | 2021103629 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2051 |
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 | $605,400 (+3.77%) Land $378,700 Building $226,700 | $605,400 (+3.77%) Land $378,700 Building $226,700 | |
| 2025 | $10,040.00 (+3.75%) | $583,400 (+16.89%) Land $358,700 Building $224,700 | $583,400 (+16.89%) Land $358,700 Building $224,700 |
| 2024 | $9,677.00 (+20.83%) | ||
| 2023 | $499,100 Land $283,700 Building $215,400 | $499,100 Land $283,700 Building $215,400 | |
| 2022 | $8,009.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | 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 | 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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