Monmouth County and Howell Township property record for 98 Five Points Rd, Freehold, NJ 07728
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 3,753 sqft · built 1990 |
| Lot Size | 1.81 acres (79,200 sqft) |
| Owner | 2 Individuals on Record |
| Last Sale | $283,000 (Dec 1994) |
| Tax Bill | $13,573 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-00172-03-00004 |
| Primary APN | 21-00172-03-00004 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,753 sqft Living Area |
| 1st Floor Area | 1,939 sqft |
| Upper Floors Area | 1,649 sqft |
| Basement Area | 1,939 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 79,200 sqft |
| Lot Dimensions | 480 ft deep x 165 ft wide |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
| Porch | Open Porch |
| Deck Area | 300 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 0669304 |
|---|---|
| Street Address | 98 FIVE POINTS RD |
| City | FREEHOLD |
| State | NJ |
| Zip | 07728-8102 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ARE2 |
| Legal Subdivision | KNOB HILL ESTATES |
| Legal Block | 172.3 |
| Legal Lot Number | 4 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | HOWELL |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 811102 |
Source: Monmouth County and Howell Township assessment roll, 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 Individuals on Record |
|---|---|
| Mailing Address | 98 FIVE POINTS RD, FREEHOLD, NJ 07728-8102 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 7, 2026 | Deed of Trust, Mortgage · Line of Credit MUNICIPAL CREDIT UNION |
| Nov 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ADVISORS MTG |
| Aug 2, 2019 | Deed of Trust, Mortgage · Conventional Mortgage ADDISON MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 28, 1994 · Amount on Record |
| Deed Sale | Dec 28, 1994 · Amount on Record |
| Deed Book / Page | 5375 / 481 |
| Last Transfer Date | Aug 15, 2013 |
| Transfer Doc | 0090320425 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jul 7, 2026 |
| Property Address | 98 FIVE POINTS RD, FREEHOLD, NJ 07728-8102 |
| Document Number | 0000055127 |
| Book / Page | 9801 / 3972 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 202655127 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 98 FIVE POINTS RD, FREEHOLD, NJ 07728-8102 |
| Document Number | 0000055127, |
|---|---|
| Date | Jul 7, 2026 |
| Book Page | 9801/3972 |
| Instrument | 202655127 |
| Name | MUNICIPAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 25, 2056 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 98 FIVE POINTS RD, FREEHOLD, NJ 07728-8102 |
| Document Number | 0000139788 |
| Instrument Date | Nov 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2021 |
| Title Company | INNOVATION TITLE INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 98 FIVE POINTS RD FREEHOLD NJ 077288102, FREEHOLD, NJ 07728-8102 |
| Document Number | 0000139788 |
|---|---|
| Date | Nov 23, 2020 |
| Book Page | 009459/006736 |
| Instrument | 139788 |
| Name | ADVISORS MTG |
|---|---|
| Type | Mortgage Company |
| Address | OCEAN, NJ 07712 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 22, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 98 FIVE POINTS RD, FREEHOLD, NJ 07728-8102 |
| Document Number | 0000078206 |
| Instrument Date | Aug 2, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2019 |
| Title Company | VICTORIA ABSTRACT SETTLEMENT SERVICES L, VICTORIA ABS SETTLEMENT SVCS L |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 98 FIVE POINTS RD FREEHOLD NJ 077288102, FREEHOLD, NJ 07728-8102 |
| Document Number | 0000078206 |
|---|---|
| Date | Aug 27, 2019 |
| Book Page | 009365/001361 |
| Instrument | 78206 |
| Name | ADDISON MTG |
|---|---|
| Type | Mortgage Company |
| Address | OCEAN, NJ 07712 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 26, 2049 |
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 | $859,300 (+7.18%) Land $314,300 Building $545,000 | $859,300 (+7.18%) Land $314,300 Building $545,000 | |
| 2025 | $13,573.00 (+2.52%) | $801,700 (+17.47%) Land $274,300 Building $527,400 | $801,700 (+17.47%) Land $274,300 Building $527,400 |
| 2024 | $13,240.00 (+0.45%) | ||
| 2023 | $682,500 Land $176,900 Building $505,600 | $682,500 Land $176,900 Building $505,600 | |
| 2022 | $13,181.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 4 in force |
| Nearby Flood Claims | 1 (1984) |
| Most Recent Claim | May 1984 · tidal / storm surge |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 55% of the US · above 71% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 74 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Optimum Cable · Fiber in parts of the area | 940 / 35 |
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