Monmouth County and Howell Township property record for 45 Winchester Dr, Howell, NJ 07731
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,909 sqft · built 1996 |
| Lot Size | 0.186 acres (8,102 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $720,000 (Nov 2024) |
| Tax Bill | $10,631 (2025) |
| Deeds & Mortgages | Jan 2024 Second Mortgage Oct 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-00084-23-00013 |
| Primary APN | 21-00084-23-00013 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,909 sqft Living Area |
| 1st Floor Area | 1,307 sqft |
| Upper Floors Area | 974 sqft |
| Basement Area | 865 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 8,102 sqft (0.186 acres) |
| Lot Dimensions | 108 ft deep x 75 ft wide |
| Garage Area | 399 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 113 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 22301300 |
|---|---|
| Street Address | 45 WINCHESTER DR |
| City | HOWELL |
| State | NJ |
| Zip | 07731-2951 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF10 |
| Legal Subdivision | HILLTOP XING |
| Legal Block | 84.23 |
| Legal Lot Number | 13 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | HOWELL |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 811303 |
Source: Monmouth County and Howell Township records · APN 21-00084-23-00013
Assessment roll updated July 9, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 45 WINCHESTER DR, HOWELL, NJ 07731-2951 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 23, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage TD BANK NA |
| Oct 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Aug 20, 2018 | Deed with Mortgage, Transfer · Conventional Mortgage CALIBER HM LOANS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 12, 2024 · Amount on Record |
| Deed Sale | Nov 12, 2024 · Amount on Record |
| Prior Sale | Aug 20, 2018 · Amount on Record |
| Deed Document Number | 202479619 |
| Deed Book / Page | 9712 / 6848 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 45 WINCHESTER DR, HOWELL, NJ 07731-2951 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2024 |
| Title Company | NOT AVAILABLE, ORTRIS |
| Name | Verified Name |
|---|
| Document Number | 0096752410 |
|---|---|
| Date | Jan 23, 2024 |
| Book Page | 9675/2410 |
| Instrument | 2024004964 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Dec 01, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 45 WINCHESTER DR, HOWELL, NJ 07731-2951 |
| Transaction Type | Mortgage |
| Record Updated | Nov 09, 2021 |
| Title Company | BREAK WATER TITLE AGENCY LLC, BREAKWATER TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0095537368 |
|---|---|
| Date | Oct 26, 2021 |
| Book Page | 9553/7368 |
| Instrument | 2021157533 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Deed with Mortgage |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Aug 20, 2018 |
| Property Address | 45 WINCHESTER DR, HOWELL, NJ 07731-2951 |
| Document Number | 0000083025 |
| Book / Page | 009307 / 001034 |
| Instrument Date | Aug 08, 2018 |
| Instrument | 83025 |
| Transaction Type | Transfer |
| Record Updated | Sep 03, 2018 |
| Title Company | GROUP 21 TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $350.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 WINCHESTER DR HOWELL NJ 077312951, HOWELL, NJ 07731-2951 |
| Document Number | 83026 |
|---|---|
| Date | Aug 20, 2018 |
| Book Page | 009307/001034 |
| Instrument | 83026 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 19, 2048 |
Source: Monmouth County and Howell Township records · Assessment roll updated July 9, 2026 · Last verified July 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) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $717,100 (+16.09%) Land $305,200 Building $411,900 | $717,100 (+16.09%) Land $305,200 Building $411,900 | |
| 2025 | $10,631.00 (+8.13%) | $617,700 (+31.71%) Land $278,200 Building $339,500 | $617,700 (+31.71%) Land $278,200 Building $339,500 |
| 2024 | $9,832.00 (+17.19%) | ||
| 2023 | $469,000 Land $206,200 Building $262,800 | $469,000 Land $206,200 Building $262,800 | |
| 2022 | $8,390.00 |
Source: FEMA National Flood Hazard Layer as of September 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Low lower than 66% of the US · above 52% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| Starlink Satellite | 280 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Xfinity.
Based on FCC filings for 304 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NJ AMERICAN WATER - COASTAL NORTH private · serves 377,613 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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