91 Smith St, Howell, NJ 07731 Property Records

Monmouth County and Howell Township property record for 91 Smith St, Howell, NJ 07731

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,536 sqft · built 1991
Lot Size	0.132 acres (5,759 sqft)
Owner	Individual Name on Record
Last Sale	$479,000 (Dec 2024)
Tax Bill	$7,047 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`21-00110-0000-00089-02`

Property Details

APN / Parcel Number

Primary APN	`21-00110-0000-00089-02`
Alternative APNs	`21001100000000890002` `047030`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,536 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Other
Lot Area	5,759 sqft (0.132 acres)
Lot Dimensions	72 ft deep x 80 ft wide
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	047030
Street Address	91 SMITH ST
City	HOWELL
State	NJ
Zip	07731-8525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-50
Legal Subdivision	TOWNSHIP/HOWELL
Legal Block	110
Legal Lot Number	89.2
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HOWELL
Census Block Group	2
Census Block	2019
Census Tract	811301

Owner

Source: Monmouth County and Howell 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	Individual Name on Record
Mailing Address	91 SMITH ST, HOWELL, NJ 07731-8525
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2024 · Amount on Record
Deed Sale	Dec 31, 2024 · Amount on Record
Prior Sale	Sep 23, 2016 · Amount on Record
Deed Document Number	202492632
Deed Book / Page	9719 / 3224
Prior Transfer Date	Feb 26, 2008
Prior Transfer Doc	0087420707
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	91 SMITH ST, HOWELL, NJ 07731-8525
Transaction Type	Mortgage
Record Updated	Apr 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0094962373
Date	Mar 30, 2021
Book Page	9496/2373
Instrument	2021051118

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Apr 13, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$463,900 (+13.04%) Land $256,600 Building $207,300	$463,900 (+13.04%) Land $256,600 Building $207,300
2025	$7,047.00 (+5.37%)	$410,400 (+22.65%) Land $211,600 Building $198,800	$410,400 (+22.65%) Land $211,600 Building $198,800
2024	$6,688.00 (+6.11%)
2023		$334,600 Land $146,600 Building $188,000	$334,600 Land $146,600 Building $188,000
2022	$6,303.00

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
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2009)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2009 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 56% of New Jersey
Wildfire Likelihood	0.05% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 336 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20