654 Harmony Rd, Middletown, NJ 07748 Property Records

Monmouth County and Middletown Township property record for 654 Harmony Rd, Middletown, NJ 07748

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,730 sqft · built 1957
Lot Size	0.301 acres (13,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Jun 2022)
Tax Bill	$8,640 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32-00196-0000-00005`

Property Details

APN / Parcel Number

Primary APN	`32-00196-0000-00005`
Alternative APNs	`320019600005` `831`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,730 sqft Living Area
1st Floor Area	1,730 sqft
Upper Floors Area	532 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Other
Lot Area	13,120 sqft (0.301 acres)
Lot Dimensions	164 ft deep x 80 ft wide
Parking Spaces	1 Parking Space
Deck Area	238 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	831
Street Address	654 HARMONY RD
City	MIDDLETOWN
State	NJ
Zip	07748-1031
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	A
Legal Subdivision	HARMONY GARDENS
Legal Block	196
Legal Lot Number	5
Jurisdiction	MONMOUTH NJ
Township / Civil Division	MIDDLETOWN
Census Block Group	3
Census Block	3020
Census Tract	800602

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	654 HARMONY RD, MIDDLETOWN, NJ 07748-1031
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2022 · Amount on Record
Deed Sale	Jun 16, 2022 · Amount on Record
Prior Sale	Jun 6, 2005
Deed Document Number	202263498
Deed Book / Page	9600 / 6143
Prior Transfer Date	Jan 2, 2015
Prior Transfer Doc	0090959796
Record Updated	Oct 29, 2026

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Jun 16, 2022
Property Address	654 HARMONY RD, MIDDLETOWN, NJ 07748-1031
Document Number	0096006143
Book / Page	9600 / 6143
Instrument Date	May 19, 2022
Instrument	2022063498
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	GOLDFINCH TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,415.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6823 DONA DR, 6823, NAVARRE, FL 32566-8796

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 HARMONY RD, MIDDLETOWN, NJ 07748-1031

Mortgage

Document Number	0096006167
Date	Jun 16, 2022
Book Page	9600/6167
Instrument	2022063499

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

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		$591,300 (+10.46%) Land $397,400 Building $193,900	$591,300 (+10.46%) Land $397,400 Building $193,900
2025	$8,640.00 (+8.88%)	$535,300 (+17.8%) Land $343,200 Building $192,100	$535,300 (+17.8%) Land $343,200 Building $192,100
2024	$7,935.00 (+8.64%)
2023		$454,400 Land $269,000 Building $185,400	$454,400 Land $269,000 Building $185,400
2022	$7,304.00

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

Flood

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	5 in force
Nearby Flood Claims	3 (2010–2018)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Nov 2018 · 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

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