51 Bernard Dr, Howell, NJ 07731 Property Records

Monmouth County and Howell Township property record for 51 Bernard Dr, Howell, NJ 07731

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,685 sqft · built 1986
Lot Size	0.35 acres (15,224 sqft)
Owner	2 Individual Names on File
Last Sale	$407,000 (Sep 2020)
Tax Bill	$10,655 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-00079-05-00012`

Property Details

APN / Parcel Number

Primary APN	`21-00079-05-00012`
Alternative APNs	`2100079000500012` `03963512`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,685 sqft Living Area
1st Floor Area	960 sqft
Upper Floors Area	725 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Other
Lot Area	15,224 sqft (0.35 acres)
Lot Dimensions	175 ft deep x 87 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Pool Area	512 sqft
Porch	Open Porch
Patio Area	406 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	03963512
Street Address	51 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 6
Legal Block	79.5
Legal Lot Number	12
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HOWELL
Census Block Group	2
Census Block	2007
Census Tract	811304

Owner

51 Bernard Dr is owned and occupied by two individuals who bought it in September 2020.

Source: Monmouth County and Howell Township records, as of July 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	51 BERNARD DR, HOWELL, NJ 07731-1965
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2020 · Amount on File
Deed Sale	Sep 25, 2020 · Amount on File
Deed Document Number	2020109586
Deed Book / Page	9443 / 7068
Record Updated	Sep 20, 2026

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Sep 25, 2020
Property Address	51 BERNARD DR, HOWELL, NJ 07731-1965
Document Number	0000109586
Book / Page	009443 / 007068
Instrument Date	Aug 28, 2020
Instrument	109586
Transaction Type	Transfer
Record Updated	Oct 23, 2020
Title Company	FOUNDATION TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$407.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	51 BERNARD DR HOWELL NJ 077311965, HOWELL, NJ 07731-1965

Mortgage

Document Number	109587
Date	Sep 25, 2020
Book Page	009443/007112
Instrument	109587

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	GREENWICH, CT 06830

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 24, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 51 Bernard Dr was $10,655, up 3.4% from the year before.

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$641,400 (+3.6%) Land $384,500 Building $256,900	$641,400 (+3.6%) Land $384,500 Building $256,900
2025	$10,655.00 (+3.44%)	$619,100 Land $364,500 Building $254,600	$619,100 Land $364,500 Building $254,600
2024	$10,301.00
2023		$533,500 Land $289,500 Building $244,000	$533,500 Land $289,500 Building $244,000
2022	$9,039.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 51 Bernard Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

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.

Wildfire

Wildfire risk around 51 Bernard Dr is low, with a 0.02% annual chance of wildfire.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 197 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable · Fiber in parts of the area	940 / 35
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20