Monmouth County and Middletown Township property record for 65 Pearl St E, Middletown, NJ 07748
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,164 sqft · built 1981 |
| Lot Size | 0.554 acres (24,140 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $319,000 (Jun 2000) |
| Tax Bill | $14,345 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-00572-0000-00020 |
| Primary APN | 32-00572-0000-00020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,164 sqft Living Area |
| 1st Floor Area | 1,144 sqft |
| Upper Floors Area | 1,020 sqft |
| Basement Area | 1,144 sqft |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 24,140 sqft (0.554 acres) |
| Lot Dimensions | 142 ft deep x 170 ft wide |
| Garage Type | Attached |
| Deck Area | 1,040 sqft |
| Sewer | Connected |
|---|
| Account Number | 8425 |
|---|---|
| Street Address | 65 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 | 572 |
| Legal Lot Number | 20 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | MIDDLETOWN |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 800701 |
65 Pearl St E is owned and occupied by two individuals who bought it in June 2000.
Source: Monmouth County and Middletown Township records, as of October 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 65 PEARL ST E, MIDDLETOWN, NJ 07748-1150 |
| 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 |
|---|---|
| Apr 5, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Oct 16, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| May 24, 2017 | Grant Deed, Transfer · FHA Mortgage CONTOUR MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 2, 2000 · Amount on File |
| Deed Sale | Jun 2, 2000 · Amount on File |
| Prior Sale | Jun 21, 1995 · Amount on File |
| Deed Book / Page | 5941 / 335 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 65 PEARL ST E, MIDDLETOWN, NJ 07748-1150 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2022 |
| Title Company | SERVICELINK LOAN MODIFICATIO |
| Name | Verified Name |
|---|---|
| Address | 65 PEARL ST E, MIDDLETOWN, NJ 07748-1150 |
| Document Number | 0095884536 |
|---|---|
| Date | Apr 5, 2022 |
| Book Page | 9588/4536 |
| Instrument | 2022038181 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 65 PEARL ST E, MIDDLETOWN, NJ 07748-1150 |
| Document Number | 0000138779 |
| Instrument Date | Oct 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 65 PEARL ST E MIDDLETOWN NJ 077481150, MIDDLETOWN, NJ 07748-1150 |
| Document Number | 0000138779 |
|---|---|
| Date | Nov 20, 2020 |
| Book Page | 009459/001263 |
| Instrument | 138779 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 324 Months |
| Due | Nov 19, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | May 24, 2017 |
| Property Address | 65 PEARL ST E, MIDDLETOWN, NJ 07748-1150 |
| Document Number | 0000051003 |
| Book / Page | 009228 / 004242 |
| Instrument Date | May 12, 2017 |
| Instrument | 51003 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2017 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSURANCE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $600.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 65 PEARL ST E MIDDLETOWN NJ 077481150, MIDDLETOWN, NJ 07748-1150 |
| Document Number | 51004 |
|---|---|
| Date | May 24, 2017 |
| Book Page | 009228/004246 |
| Instrument | 51004 |
| Name | CONTOUR MTG |
|---|---|
| Type | Mortgage Company |
| Address | GARDEN CITY, NY 11530 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 23, 2047 |
The 2025 property tax bill for 65 Pearl St E was $14,345, up 11% 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 | $972,200 (+9.38%) Land $522,600 Building $449,600 | $972,200 (+9.38%) Land $522,600 Building $449,600 | |
| 2025 | $14,345.00 (+11.05%) | $888,800 Land $436,000 Building $452,800 | $888,800 Land $436,000 Building $452,800 |
| 2024 | $12,918.00 | ||
| 2023 | $670,600 Land $266,600 Building $404,000 | $670,600 Land $266,600 Building $404,000 | |
| 2022 | $12,263.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 65 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 65 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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