Monmouth County and Middletown Township property record for 54 Pearl St E, Middletown, NJ 07748
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,096 sqft · built 1981 |
| Lot Size | 0.557 acres (24,282 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $925,000 (Apr 2025) |
| Tax Bill | $12,744 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Mar 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-00571-0000-00051 |
| Primary APN | 32-00571-0000-00051 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,096 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Upper Floors Area | 1,056 sqft |
| Basement Area | 1,040 sqft |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 24,282 sqft (0.557 acres) |
| Lot Dimensions | 213 ft deep x 114 ft wide |
| Garage Type | Attached |
| Deck Area | 288 sqft |
| Sewer | Connected |
|---|
| Account Number | 9425 |
|---|---|
| Street Address | 54 PEARL ST E |
| City | MIDDLETOWN |
| State | NJ |
| Zip | 07748-1150 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R22 |
| Legal Subdivision | COUNTRY VIEW ESTS/MIDDLETOWN |
| Legal Block | 571 |
| Legal Lot Number | 51 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | MIDDLETOWN |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 800701 |
54 Pearl St E is owned and occupied by two individuals who bought it in April 2025.
Source: Monmouth County and Middletown Township records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 54 PEARL ST E, MIDDLETOWN, NJ 07748-1150 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Mar 16, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Mar 23, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ADVISORS MORTGAGE GROUP LLC |
| Apr 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ADVISORS MORTGAGE GROUP LLC |
| Nov 24, 2018 | Deed of Trust, Mortgage · Line of Credit AFFINITY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2025 · Amount on File |
| Deed Sale | Apr 30, 2025 · Amount on File |
| Prior Sale | Jul 27, 2011 · Amount on File |
| Deed Document Number | 202533155 |
| Deed Book / Page | 9735 / 6850 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 54 PEARL ST E, MIDDLETOWN, NJ 07748-1150 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 54 PEARL ST E, MIDDLETOWN, NJ 07748-1150 |
| Document Number | 0097843289 |
|---|---|
| Date | Mar 16, 2026 |
| Book Page | 9784/3289 |
| Instrument | 2026022038 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 54 PEARL ST E, MIDDLETOWN, NJ 07748-1150 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Title Company | HUNTER TITLE AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0095858952 |
|---|---|
| Date | Mar 23, 2022 |
| Book Page | 9585/8952 |
| Instrument | 2022033114 |
| Name | ADVISORS MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | ASBURY PARK, NJ 07712 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 54 PEARL ST E, MIDDLETOWN, NJ 07748-1150 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2021 |
| Title Company | WINTER TITLE AGENCY INC, HUNTER TITLE AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0095063812 |
|---|---|
| Date | Apr 29, 2021 |
| Book Page | 9506/3812 |
| Instrument | 2021069666 |
| Name | ADVISORS MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | ASBURY PARK, NJ 07712 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 54 PEARL ST E, MIDDLETOWN, NJ 07748-1150 |
| Document Number | 0000117626 |
| Instrument Date | Nov 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2018 |
| Title Company | UNIVERSAL SETTLEMENT SERVICES, UNIVERSAL SETTLEMENT SVCS |
| Name | Verified Name |
|---|---|
| Address | 54 PEARL ST E MIDDLETOWN NJ 077481150, MIDDLETOWN, NJ 07748-1150 |
| Document Number | 0000117626 |
|---|---|
| Date | Dec 7, 2018 |
| Book Page | 009326/000884 |
| Instrument | 117626 |
| Name | AFFINITY FCU |
|---|---|
| Type | Credit Union |
| Address | BASKING RIDGE, NJ 07920-0621 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 54 Pearl St E was $12,744, up 12% from the year before.
Source: Monmouth County and Middletown Township assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| County Subdivision | Middletown Township |
| Unified School District | Middletown Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $890,100 (+12.73%) Land $496,600 Building $393,500 | $890,100 (+12.73%) Land $496,600 Building $393,500 | |
| 2025 | $12,744.00 (+12.02%) | $789,600 Land $410,900 Building $378,700 | $789,600 Land $410,900 Building $378,700 |
| 2024 | $11,377.00 | ||
| 2023 | $584,400 Land $247,800 Building $336,600 | $584,400 Land $247,800 Building $336,600 | |
| 2022 | $10,701.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 54 Pearl St E in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2015 · 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 54 Pearl St E is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 97.3% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.01% 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 405 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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