488 Ely Harmony Rd, Freehold, NJ 07728 Property Records

Monmouth County and Freehold Township property record for 488 Ely Harmony Rd, Freehold, NJ 07728

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 3,351 sqft · built 1992
Lot Size	1.11 acres (48,600 sqft)
Owner	2 Individual Names on Record
Tax Bill	$13,846 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Dec 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-00101-0000-00042-02`

Property Details

APN / Parcel Number

Primary APN	`17-00101-0000-00042-02`
Alternative APN	`5765000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,351 sqft Living Area
1st Floor Area	2,277 sqft
Upper Floors Area	1,272 sqft
Basement Area	1,929 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Contemporary
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	48,600 sqft
Lot Dimensions	225 ft deep x 216 ft wide
Garage Type	Attached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Septic

Location & Zoning

Account Number	5765000
Street Address	488 ELY HARMONY RD
City	FREEHOLD
State	NJ
Zip	07728-8728
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-E
Legal Block	101
Legal Lot Number	42.2
Jurisdiction	MONMOUTH NJ
Township / Civil Division	FREEHOLD
Census Block Group	2
Census Block	2007
Census Tract	810600

Owner

Source: Monmouth County and Freehold 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	488 ELY HARMONY RD, FREEHOLD, NJ 07728-8728
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2021	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Dec 20, 2018	Deed of Trust, Mortgage · Line of Credit SANTANDER BK NA
Dec 23, 2017	Deed of Trust, Mortgage · Line of Credit SANTANDER BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 24, 2008
Transfer Doc	0000047450
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	488 ELY HARMONY RD, FREEHOLD, NJ 07728-8728
Transaction Type	Mortgage
Record Updated	Nov 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	488 ELY HARMONY RD, FREEHOLD, NJ 07728-8728

Mortgage

Document Number	0095517324
Date	Oct 18, 2021
Book Page	9551/7324
Instrument	2021153808

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Oct 5, 2061

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	488 ELY HARMONY RD, FREEHOLD, NJ 07728-8728
Document Number	0000003511
Instrument Date	Dec 20, 2018
Transaction Type	Mortgage
Record Updated	Jan 29, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	488 ELY HARMONY RD FREEHOLD NJ 077288728, FREEHOLD, NJ 07728-8728

Mortgage

Document Number	0000003511
Date	Jan 10, 2019
Book Page	009330/004853
Instrument	3511

Lender

Name	SANTANDER BK NA
Type	Bank
Address	READING, PA 19601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 9, 2049

Interest

Rate Type	Adjustable Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	488 ELY HARMONY RD, FREEHOLD, NJ 07728-8728
Document Number	0000007851
Instrument Date	Dec 23, 2017
Transaction Type	Mortgage
Record Updated	Feb 28, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	488 ELY HARMONY RD FREEHOLD NJ 077288728, FREEHOLD, NJ 07728-8728

Mortgage

Document Number	0000007851
Date	Jan 22, 2018
Book Page	009269/005128
Instrument	7851

Lender

Name	SANTANDER BK NA
Type	Bank
Address	READING, PA 19601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 21, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
County Subdivision	Freehold Township
Secondary School District	Freehold Regional School District (09 - 12)
Elementary School District	Freehold Township School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$781,000 (-4%) Land $285,300 Building $495,700	$781,000 (-4%) Land $285,300 Building $495,700
2025	$13,846.00 (+12.53%)	$813,500 (+25.33%) Land $260,300 Building $553,200	$813,500 (+25.33%) Land $260,300 Building $553,200
2024	$12,304.00 (+11.61%)
2023		$649,100 Land $205,500 Building $443,600	$649,100 Land $205,500 Building $443,600
2022	$11,024.00

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	13 units insured incl. 12 condo units
Nearby Flood Claims	1 (1987)
Most Recent Claim	Aug 1987 · river or lake flooding

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	Moderate above 64% of the US · above 78% of New Jersey
Wildfire Likelihood	0.2% 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	FREEHOLD TWP WATER DEPT serves 29,831 people · EPA ID NJ1316001
Water Source	Purchased surface water from VEOLIA WATER NEW JERSEY MATCHAPONIX
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber	2,300 / 2,300

Cell Coverage

5G (outdoors only) and 4G LTE

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