Monmouth County and Howell Township property record for 522 Middle Ln, Howell, NJ 07731
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,040 sqft · built 1953 |
| Lot Size | 0.215 acres (9,374 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $210,000 (Feb 2018) |
| Tax Bill | $6,165 (2025) |
| Deeds & Mortgages | Apr 2019 Mortgage Feb 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-00080-0000-00011 |
| Primary APN | 21-00080-0000-00011 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| 1st Floor Area | 666 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 |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Septic |
| Account Number | 039730 |
|---|---|
| Street Address | 522 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 7 |
| Legal Block | 80 |
| Legal Lot Number | 11 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | HOWELL |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 811304 |
522 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 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 | 522 MIDDLE LN, HOWELL, NJ 07731-1917 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 30, 2019 | Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MTG |
| Feb 8, 2018 | Grant Deed, Transfer · FHA Mortgage UNITED MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 8, 2018 · Amount on File |
| Deed Sale | Feb 8, 2018 · Amount on File |
| Prior Sale | Aug 8, 1996 · Amount on File |
| Deed Document Number | 201814965 |
| Deed Book / Page | 9272 / 7638 |
| Prior Transfer Date | Dec 12, 2014 |
| Prior Transfer Doc | 0090933693 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 522 MIDDLE LN, HOWELL, NJ 07731-1917 |
| Document Number | 0000043226 |
| Instrument Date | Apr 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2019 |
| Title Company | ORCHARD STREET SETTLEMENTS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 522 MIDDLE LN HOWELL NJ 077311917, HOWELL, NJ 07731-1917 |
| Document Number | 0000043226 |
|---|---|
| Date | May 16, 2019 |
| Book Page | 009348/006505 |
| Instrument | 43226 |
| Name | OCEANSIDE MTG |
|---|---|
| Type | Mortgage Company |
| Address | TOMS RIVER, NJ 08753 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 15, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Feb 8, 2018 |
| Property Address | 522 MIDDLE LN, HOWELL, NJ 07731-1917 |
| Document Number | 0000014965 |
| Book / Page | 009272 / 007638 |
| Instrument Date | Dec 15, 2017 |
| Instrument | 14965 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2018 |
| Title Company | LAND QUEST TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $210.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 522 MIDDLE LN HOWELL NJ 077311917, HOWELL, NJ 07731-1917 |
| Document Number | 14966 |
|---|---|
| Date | Feb 8, 2018 |
| Book Page | 009272/007649 |
| Instrument | 14966 |
| Name | UNITED MTG |
|---|---|
| Type | Mortgage Company |
| Address | MELVILLE, NY 11747 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 7, 2048 |
The 2025 property tax bill for 522 Middle Ln was $6,165, up 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 | $398,700 (+11.31%) Land $289,800 Building $108,900 | $398,700 (+11.31%) Land $289,800 Building $108,900 | |
| 2025 | $6,165.00 (+2.97%) | $358,200 Land $250,300 Building $107,900 | $358,200 Land $250,300 Building $107,900 |
| 2024 | $5,987.00 | ||
| 2023 | $315,300 Land $211,800 Building $103,500 | $315,300 Land $211,800 Building $103,500 | |
| 2022 | $5,708.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 522 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 522 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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