Monmouth County and Middletown Township property record for 45 Crest Rd, Middletown, NJ 07748
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,514 sqft · built 1964 |
| Lot Size | 0.967 acres (42,125 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $600,000 (Aug 2006) |
| Tax Bill | $13,987 (2025) |
| Deeds & Mortgages | Feb 2023 Mortgage Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-00809-0000-00083 |
| Primary APN | 32-00809-0000-00083 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,514 sqft Living Area |
| 1st Floor Area | 2,514 sqft |
| Upper Floors Area | 782 sqft |
| Basement Area | 320 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 42,125 sqft (0.967 acres) |
| Lot Dimensions | 337 ft deep x 125 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 1,000 sqft |
| Sewer | Connected |
|---|
| Account Number | 9525 |
|---|---|
| Street Address | 45 CREST RD |
| City | MIDDLETOWN |
| State | NJ |
| Zip | 07748-3420 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R22 |
| Legal Subdivision | TWIN BROOKS SEC 02 |
| Legal Block | 809 |
| Legal Lot Number | 83 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | MIDDLETOWN |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 801000 |
45 Crest Rd is owned and occupied by two individuals who bought it in August 2006.
Source: Monmouth County and Middletown Township records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 CREST RD, MIDDLETOWN, NJ 07748-3420 |
| 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 |
|---|---|
| Feb 23, 2023 | Deed of Trust, Mortgage · Conventional Mortgage GARDEN STATE HOME LOANS INC |
| Mar 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GARDEN ST HM LNS INC |
| Jan 29, 2018 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 15, 2006 · Amount on File |
| Deed Sale | Aug 15, 2006 · Amount on File |
| Deed Book / Page | 8586 / 1708 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 45 CREST RD, MIDDLETOWN, NJ 07748-3420 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2023 |
| Title Company | RELTCO INC |
| Name | Verified Name |
|---|---|
| Address | 45 CREST RD, MIDDLETOWN, NJ 07748-3420 |
| Document Number | 0096351575 |
|---|---|
| Date | Feb 23, 2023 |
| Book Page | 9635/1575 |
| Instrument | 2023013071 |
| Name | GARDEN STATE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | CHERRY HILL, NJ 08003 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.39% |
| Type Change Date | Mar 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 12.3% |
| Index | Other |
| Max Rate | 12.3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 45 CREST RD, MIDDLETOWN, NJ 07748-3420 |
| Document Number | 0000028143 |
| Instrument Date | Mar 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2020 |
| Title Company | HUNTER TITLE AGENCY, HUNTER TITLE AGCY |
| Name | Verified Name |
|---|---|
| Address | 45 CREST RD MIDDLETOWN NJ 077483420, MIDDLETOWN, NJ 07748-3420 |
| Document Number | 0000028143 |
|---|---|
| Date | Mar 11, 2020 |
| Book Page | 009402/001838 |
| Instrument | 28143 |
| Name | GARDEN ST HM LNS INC |
|---|---|
| Address | CHERRY HILL, NJ 08003 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 10, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 45 CREST RD, MIDDLETOWN, NJ 07748-3420 |
| Document Number | 0000016716 |
| Instrument Date | Jan 29, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2018 |
| Title Company | HUNTER TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 45 CREST RD MIDDLETOWN NJ 077483420, MIDDLETOWN, NJ 07748-3420 |
| Document Number | 0000016716 |
|---|---|
| Date | Feb 12, 2018 |
| Book Page | 009273/006355 |
| Instrument | 16716 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 11, 2048 |
The 2025 property tax bill for 45 Crest Rd was $13,987, up 3.7% from the year before.
Source: Monmouth County and Middletown Township assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| County Subdivision | Middletown Township |
| Unified School District | Middletown Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $906,000 (+4.55%) Land $581,500 Building $324,500 | $906,000 (+4.55%) Land $581,500 Building $324,500 | |
| 2025 | $13,987.00 (+3.69%) | $866,600 Land $545,000 Building $321,600 | $866,600 Land $545,000 Building $321,600 |
| 2024 | $13,489.00 | ||
| 2023 | $583,300 Land $344,700 Building $238,600 | $583,300 Land $344,700 Building $238,600 | |
| 2022 | $10,217.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Crest Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.
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 Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
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 45 Crest Rd is low, with a 0.04% 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 | 0.04% 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 182 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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