Monmouth County and Freehold Township property record for 86 Bernice Dr, Freehold, NJ 07728
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,440 sqft · built 1970 |
| Lot Size | 0.779 acres (33,920 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $529,900 (Oct 2015) |
| Tax Bill | $15,574 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Nov 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-00037-04-00001 |
| Primary APN | 17-00037-04-00001 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,440 sqft Living Area |
| 1st Floor Area | 1,480 sqft |
| Upper Floors Area | 960 sqft |
| Basement Area | 1,456 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 33,920 sqft (0.779 acres) |
| Lot Dimensions | 212 ft deep x 160 ft wide |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 512 sqft |
|---|---|
| Porch | Open Porch |
| Deck Area | 676 sqft |
| Patio Area | 198 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 1595000 |
|---|---|
| Street Address | 86 BERNICE DR |
| City | FREEHOLD |
| State | NJ |
| Zip | 07728-1564 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-25 |
| Legal Subdivision | ORCHARD ESTATE HOMES INC |
| Legal Block | 37.4 |
| Legal Lot Number | 1 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | FREEHOLD |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 810402 |
86 Bernice Dr is owned and occupied by two individuals who acquired it in October 2021.
Source: Monmouth County and Freehold Township records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 86 BERNICE DR, FREEHOLD, NJ 07728-1564 |
| 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 19, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Nov 1, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Jan 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2015 · Amount on File |
| Deed Sale | Oct 23, 2015 · Amount on File |
| Prior Sale | Jan 11, 2011 · Amount on File |
| Deed Document Number | 201598619 |
| Deed Book / Page | 9137 / 2478 |
| Last Transfer Date | Oct 23, 2021 |
| Transfer Doc | 0095552838 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 86 BERNICE DR, FREEHOLD, NJ 07728-1564 |
| Transaction Type | Mortgage |
| Record Updated | May 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 86 BERNICE DR, FREEHOLD, NJ 07728-1564 |
| Document Number | 0096416868 |
|---|---|
| Date | Apr 19, 2023 |
| Book Page | 9641/6868 |
| Instrument | 2023026930 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Apr 6, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Nov 1, 2021 |
| Property Address | 86 BERNICE DR, FREEHOLD, NJ 07728-1564 |
| Document Number | 0095552838 |
| Book / Page | 9555 / 2838 |
| Instrument Date | Oct 23, 2021 |
| Instrument | 2021160272 |
| Transaction Type | Transfer |
| Record Updated | Nov 12, 2021 |
| Title Company | SERVICELINK EAST ESCROW |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 86 BERNICE DR, FREEHOLD, NJ 07728-1564 |
| Document Number | 2021160273 |
|---|---|
| Date | Nov 1, 2021 |
| Instrument | 2021160273 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 348 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 86 BERNICE DR, FREEHOLD, NJ 07728-1564 |
| Document Number | 0000015065 |
| Instrument Date | Jan 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2020 |
| Title Company | CLOSING USA LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 86 BERNICE DR FREEHOLD NJ 077281564, FREEHOLD, NJ 07728-1564 |
| Document Number | 0000015065 |
|---|---|
| Date | Feb 10, 2020 |
| Book Page | 009396/000049 |
| Instrument | 15065 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 9, 2050 |
The 2025 property tax bill for 86 Bernice Dr was $15,574, up 4.7% from the year before.
Source: Monmouth County and Freehold Township assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| County Subdivision | Freehold Township |
| Secondary School District | Freehold Regional School District (09 - 12) |
| Elementary School District | Freehold Township School District (KG - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $958,500 (+4.63%) Land $371,800 Building $586,700 | $958,500 (+4.63%) Land $371,800 Building $586,700 | |
| 2025 | $15,574.00 (+4.7%) | $916,100 Land $351,800 Building $564,300 | $916,100 Land $351,800 Building $564,300 |
| 2024 | $14,875.00 | ||
| 2023 | $733,100 Land $246,100 Building $487,000 | $733,100 Land $246,100 Building $487,000 | |
| 2022 | $13,520.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 86 Bernice Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 3 (2007–2010) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
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 86 Bernice Dr is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · above 57% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.04% 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 | FREEHOLD TWP WATER DEPT serves 29,831 people · EPA ID NJ1316001 |
|---|---|
| Water Source | Purchased surface water from VEOLIA WATER NEW JERSEY MATCHAPONIX |
| Last State Inspection | Dec 2023 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 110 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
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