Monmouth County and Howell Township property record for 77 Bernard Dr, Howell, NJ 07731
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,596 sqft · built 1986 |
| Lot Size | 0.172 acres (7,471 sqft) |
| Owner | Individual Name on File |
| Last Sale | $333,000 (Oct 2019) |
| Tax Bill | $9,870 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-00079-04-00008 |
| Primary APN | 21-00079-04-00008 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,596 sqft Living Area |
| 1st Floor Area | 952 sqft |
| Upper Floors Area | 644 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 7,471 sqft (0.172 acres) |
| Lot Dimensions | 97 ft deep x 77 ft wide |
| Garage Type | Attached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Area | 512 sqft |
| Patio Area | 312 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 03963408 |
|---|---|
| Street Address | 77 BERNARD DR |
| City | HOWELL |
| State | NJ |
| Zip | 07731-1966 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Subdivision | FRIENDSHIP ESTATES SEC 06 |
| Legal Block | 79.4 |
| Legal Lot Number | 8 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | HOWELL |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 811304 |
77 Bernard Dr is owned and occupied by an individual who bought it in October 2019.
Source: Monmouth County and Howell Township records, as of July 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 77 BERNARD DR, HOWELL, NJ 07731-1966 |
| 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 |
|---|---|
| Sep 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ADVISORS MORTGAGE GROUP LLC |
| Aug 27, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Oct 24, 2019 | Grant Deed, Transfer · FHA Mortgage ADVISORS MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 24, 2019 · Amount on File |
| Deed Sale | Oct 24, 2019 · Amount on File |
| Prior Sale | Oct 30, 2008 · Amount on File |
| Deed Document Number | 2019100134 |
| Deed Book / Page | 9375 / 7597 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 77 BERNARD DR, HOWELL, NJ 07731-1966 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2021 |
| Title Company | BREAK WATER TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0095466261 |
|---|---|
| Date | Sep 27, 2021 |
| Book Page | 9546/6261 |
| Instrument | 2021144152 |
| Name | ADVISORS MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | ASBURY PARK, NJ 07712 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 77 BERNARD DR, HOWELL, NJ 07731-1966 |
| Document Number | 0000122213 |
| Instrument Date | Aug 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 77 BERNARD DR HOWELL NJ 077311966, HOWELL, NJ 07731-1966 |
| Document Number | 0000122213 |
|---|---|
| Date | Oct 20, 2020 |
| Book Page | 009450/004461 |
| Instrument | 122213 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 19, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Oct 24, 2019 |
| Property Address | 77 BERNARD DR, HOWELL, NJ 07731-1966 |
| Document Number | 0000100134 |
| Book / Page | 009375 / 007597 |
| Instrument Date | Sep 18, 2019 |
| Instrument | 100134 |
| Transaction Type | Transfer |
| Record Updated | Nov 18, 2019 |
| Title Company | PROPERTY TRANSFER SERVICES INC, PROPERTY TRANSFER SVCS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $333.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 77 BERNARD DR HOWELL NJ 077311966, HOWELL, NJ 07731-1966 |
| Document Number | 100135 |
|---|---|
| Date | Oct 24, 2019 |
| Book Page | 009375/007636 |
| Instrument | 100135 |
| Name | ADVISORS MTG |
|---|---|
| Type | Mortgage Company |
| Address | OCEAN, NJ 07712 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 23, 2049 |
The 2025 property tax bill for 77 Bernard Dr was $9,870, up 3.8% 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 | $595,500 (+3.84%) Land $379,500 Building $216,000 | $595,500 (+3.84%) Land $379,500 Building $216,000 | |
| 2025 | $9,870.00 (+3.84%) | $573,500 Land $359,500 Building $214,000 | $573,500 Land $359,500 Building $214,000 |
| 2024 | $9,505.00 | ||
| 2023 | $489,700 Land $284,500 Building $205,200 | $489,700 Land $284,500 Building $205,200 | |
| 2022 | $7,958.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 77 Bernard Dr 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 77 Bernard Dr 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 197 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable · Fiber in parts of the area | 940 / 35 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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