Monmouth County and Howell Township property record for 514 Middle Ln, Howell, NJ 07731
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,488 sqft · built 1953 |
| Lot Size | 0.215 acres (9,374 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $245,000 (Feb 2018) |
| Tax Bill | $7,166 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Jul 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-00080-0000-00007 |
| Primary APN | 21-00080-0000-00007 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,488 sqft Living Area |
| 1st Floor Area | 864 sqft |
| Basement Area | 468 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Cape Cod |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 9,374 sqft (0.215 acres) |
| Lot Dimensions | 125 ft deep x 75 ft wide |
| Sewer | Septic |
|---|
| Account Number | 039690 |
|---|---|
| Street Address | 514 MIDDLE LN |
| City | HOWELL |
| State | NJ |
| Zip | 07731-1917 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3A |
| Legal Subdivision | LAND-O-PINES SEC 07 |
| Legal Block | 80 |
| Legal Lot Number | 7 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | HOWELL |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 811304 |
514 Middle Ln is owned and occupied by two individuals who bought it in February 2018.
Source: Monmouth County and Howell Township records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 514 MIDDLE LN, HOWELL, NJ 07731-1917 |
| 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 |
|---|---|
| Oct 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Jul 3, 2020 | Deed of Trust, Mortgage · Conventional with PMI FINANCE OF AMERICA MTG |
| Oct 30, 2019 | Deed of Trust, Mortgage · Conventional with PMI FINANCE OF AMERICA MTG |
| Feb 12, 2018 | Grant Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 12, 2018 · Amount on File |
| Deed Sale | Feb 12, 2018 · Amount on File |
| Prior Sale | Sep 22, 2015 · Amount on File |
| Deed Document Number | 201816712 |
| Deed Book / Page | 9273 / 6308 |
| Prior Transfer Date | Sep 16, 2013 |
| Prior Transfer Doc | 0090733985 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 514 MIDDLE LN, HOWELL, NJ 07731-1917 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2022 |
| Title Company | A T ABSTRACT INC, J&T ABSTRACT INC |
| Name | Verified Name |
|---|
| Document Number | 0095483896 |
|---|---|
| Date | Oct 4, 2021 |
| Book Page | 9548/3896 |
| Instrument | 2021147326 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CONSHOHOCKEN, PA 19428 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 514 MIDDLE LN, HOWELL, NJ 07731-1917 |
| Document Number | 0000076861 |
| Instrument Date | Jul 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 3, 2020 |
| Title Company | J AND T ABSTRACT INC, J&T ABSTRACT INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 514 MIDDLE LN HOWELL NJ 077311917, HOWELL, NJ 07731-1917 |
| Document Number | 0000076861 |
|---|---|
| Date | Jul 17, 2020 |
| Book Page | 009427/005917 |
| Instrument | 76861 |
| Name | FINANCE OF AMERICA MTG |
|---|---|
| Address | HORSHAM, PA 19044 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 16, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 514 MIDDLE LN, HOWELL, NJ 07731-1917 |
| Document Number | 0000107227 |
| Instrument Date | Oct 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2019 |
| Title Company | J AND T ABSTRACT INC, J&T ABSTRACT INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 514 MIDDLE LN HOWELL NJ 077311917, HOWELL, NJ 07731-1917 |
| Document Number | 0000107227 |
|---|---|
| Date | Nov 14, 2019 |
| Book Page | 009379/002201 |
| Instrument | 107227 |
| Name | FINANCE OF AMERICA MTG |
|---|---|
| Address | HORSHAM, PA 19044 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 13, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Feb 12, 2018 |
| Property Address | 514 MIDDLE LN, HOWELL, NJ 07731-1917 |
| Document Number | 0000016712 |
| Book / Page | 009273 / 006308 |
| Instrument Date | Dec 29, 2017 |
| Instrument | 16712 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2018 |
| Title Company | AFFINITY LAND SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $245.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 514 MIDDLE LN HOWELL NJ 077311917, HOWELL, NJ 07731-1917 |
| Document Number | 16713 |
|---|---|
| Date | Feb 12, 2018 |
| Instrument | 16713 |
| Name | FINANCE OF AMERICA MTG |
|---|---|
| Address | HORSHAM, PA 19044 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 11, 2048 |
The 2025 property tax bill for 514 Middle Ln was $7,166, up 2.3% from the year before.
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 | $457,400 (+9.85%) Land $289,800 Building $167,600 | $457,400 (+9.85%) Land $289,800 Building $167,600 | |
| 2025 | $7,166.00 (+2.33%) | $416,400 Land $250,300 Building $166,100 | $416,400 Land $250,300 Building $166,100 |
| 2024 | $7,003.00 | ||
| 2023 | $371,100 Land $211,800 Building $159,300 | $371,100 Land $211,800 Building $159,300 | |
| 2022 | $6,456.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 514 Middle Ln 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 risk around 514 Middle Ln 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 | None beyond ember reach |
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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