98 E Main St, Freehold, NJ 07728 Property Records

Monmouth County and Freehold Borough property record for 98 E Main St, Freehold, NJ 07728

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,254 sqft · built 1940
Lot Size	0.145 acres (6,299 sqft)
Owner	Individual Name on Record
Last Sale	$412,500 (May 2022)
Tax Bill	$7,374 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit May 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-00050-0000-00011-01`

Property Details

APN / Parcel Number

Primary APN	`16-00050-0000-00011-01`
Alternative APNs	`16000500000000110001` `1600050000000011A`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,254 sqft Living Area
1st Floor Area	1,254 sqft
Basement Area	784 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	6,299 sqft (0.145 acres)
Lot Dimensions	150 ft deep x 42 ft wide
Garage Area	580 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Deck Area	Deck Area
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Sewer	Connected

Location & Zoning

Old Parcel Number	1600050000000011A
Street Address	98 E MAIN ST
City	FREEHOLD
State	NJ
Zip	07728-2223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF05
Legal Description	ALSO LOT 12 NIT 1A
Legal Block	50
Legal Lot Number	11.1
Jurisdiction	MONMOUTH NJ
Township / Civil Division	FREEHOLD
Census Block Group	2
Census Block	2008
Census Tract	810800

Owner

Source: Monmouth County and Freehold Borough 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	98 E MAIN ST, FREEHOLD, NJ 07728-2223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
May 4, 2022	Deed, Transfer NOT AVAILABLE, TRITON TITLE & ABSTRACT
Oct 31, 2017	Grant Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2022 · Amount on Record
Deed Sale	May 4, 2022 · Amount on Record
Prior Sale	Oct 31, 2017 · Amount on Record
Deed Document Number	202249285
Deed Book / Page	9593 / 7854
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	98 E MAIN ST, FREEHOLD, NJ 07728-2223
Transaction Type	Mortgage
Record Updated	Nov 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 E MAIN ST, FREEHOLD, NJ 07728-2223

Mortgage

Document Number	0096630046
Date	Oct 11, 2023
Book Page	9663/46
Instrument	2023070584

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Sep 29, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MONMOUTH NJ
Recording Date	May 4, 2022
Property Address	98 E MAIN ST, FREEHOLD, NJ 07728-2223
Document Number	0095937854
Book / Page	9593 / 7854
Instrument Date	Apr 2, 2022
Instrument	2022049285
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	NOT AVAILABLE, TRITON TITLE & ABSTRACT

Transaction

Amount	Amount Recorded
Tax	$3,335.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	157 HOCKHOCKSON RD, 157, COLTS NECK, NJ 07722-1807

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 E MAIN ST, FREEHOLD, NJ 07728-2223

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Oct 31, 2017
Property Address	98 E MAIN ST, FREEHOLD, NJ 07728-2223
Document Number	0000106958
Book / Page	009256 / 005671
Instrument Date	Oct 11, 2017
Instrument	106958
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	RED BANK TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$229.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	98 E MAIN ST FREEHOLD NJ 077282223, FREEHOLD, NJ 07728-2223

Mortgage

Document Number	106959
Date	Oct 31, 2017
Book Page	009256/005683
Instrument	106959

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2047

Tax Assessment & Valuation

Source: Monmouth County and Freehold Borough assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
Municipality	Freehold Borough
Elementary School District	Freehold Borough School District (KG - 08)
Secondary School District	Freehold Regional School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$490,800 (+33.44%) Land $336,300 Building $154,500	$490,800 (+33.44%) Land $336,300 Building $154,500
2025	$7,374.00 (-2.59%)	$367,800 (+9.4%) Land $216,800 Building $151,000	$367,800 (+9.4%) Land $216,800 Building $151,000
2024	$7,570.00 (+14.92%)
2023		$336,200 Land $191,500 Building $144,700	$336,200 Land $191,500 Building $144,700
2022	$6,587.00

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	1 in force

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 96% of the US · lower than 89% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FREEHOLD BOROUGH WATER D serves 11,029 people · EPA ID NJ1315001
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2022
Monitoring and Reporting	8 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 481 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: Optimum, T-Mobile.

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