615 Harmony Rd, Middletown, NJ 07748 Property Records

Monmouth County and Middletown Township property record for 615 Harmony Rd, Middletown, NJ 07748

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,899 sqft · built 1968
Lot Size	0.344 acres (15,002 sqft)
Owner	2 Individual Names on File
Last Sale	$342,000 (Jan 2012)
Tax Bill	$9,931 (2025)
Deeds & Mortgages	May 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`32-00217-0000-00013`

Property Details

APN / Parcel Number

Primary APN	`32-00217-0000-00013`
Alternative APNs	`320021700013` `8325`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,899 sqft Living Area
1st Floor Area	1,899 sqft
Upper Floors Area	1,332 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	15,002 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Parking Spaces	2 Parking Spaces
Patio Area	120 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	8325
Street Address	615 HARMONY RD
City	MIDDLETOWN
State	NJ
Zip	07748-1052
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Subdivision	WILLET ACRES
Legal Block	217
Legal Lot Number	13
Jurisdiction	MONMOUTH NJ
Township / Civil Division	MIDDLETOWN
Census Block Group	2
Census Block	2017
Census Tract	800602

Owner

615 Harmony Rd is owned and occupied by two individuals who bought it in January 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	615 HARMONY RD, MIDDLETOWN, NJ 07748-1052
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2012 · Amount on File
Deed Sale	Jan 4, 2012 · Amount on File
Prior Sale	Nov 3, 2006
Deed Document Number	20121069
Deed Book / Page	8925 / 5954
Record Updated	Sep 20, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	615 HARMONY RD, MIDDLETOWN, NJ 07748-1052
Document Number	0000066445
Instrument Date	May 23, 2018
Transaction Type	Mortgage
Record Updated	Jul 24, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 HARMONY RD MIDDLETOWN NJ 077481052, MIDDLETOWN, NJ 07748-1052

Mortgage

Document Number	0000066445
Date	Jul 6, 2018
Book Page	009295/009578
Instrument	66445

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jul 5, 2058

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 615 Harmony Rd was $9,931, up 17.8% from the year before.

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

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
County Subdivision	Middletown Township
Unified School District	Middletown Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$660,700 (+7.38%) Land $444,500 Building $216,200	$660,700 (+7.38%) Land $444,500 Building $216,200
2025	$9,931.00 (+17.85%)	$615,300 Land $403,200 Building $212,100	$615,300 Land $403,200 Building $212,100
2024	$8,427.00
2023		$517,500 Land $292,900 Building $224,600	$517,500 Land $292,900 Building $224,600
2022	$9,492.00

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

Flood

FEMA maps place 615 Harmony Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1996.

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
Flood Insurance Cost	Premium on File median of 68 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	68 in force
Nearby Flood Claims	5 (1996–2021)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Aug 2021 · rainfall accumulation

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 615 Harmony Rd is low, with less than 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	Under 0.01% 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	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 436 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20