98 Pine Needle St, Howell, NJ 07731 Property Records

Monmouth County and Howell Township property record for 98 Pine Needle St, Howell, NJ 07731

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,742 sqft · built 1983
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$249,000 (Jun 2002)
Tax Bill	$10,711 (2025)
Deeds & Mortgages	May 2022 Mortgage Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-00001-08-00022`

Property Details

APN / Parcel Number

Primary APN	`21-00001-08-00022`
Alternative APNs	`2100001000800022` `301822`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,742 sqft Living Area
1st Floor Area	1,872 sqft
Upper Floors Area	870 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Other
Lot Area	7,841 sqft (0.18 acres)

Exterior Amenities

Porch	Open Porch
Patio Area	238 sqft
Shed	1 Shed
Shed Area	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	301822
Street Address	98 PINE NEEDLE ST
City	HOWELL
State	NJ
Zip	07731-2665
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Subdivision	LAUREDL MANOR SEC 05
Legal Block	1.8
Legal Lot Number	22
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HOWELL
Census Block Group	3
Census Block	3020
Census Tract	811501

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	2 Individual Names on Record
Mailing Address	98 PINE NEEDLE ST, HOWELL, NJ 07731-2665
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2022	Deed of Trust, Mortgage · FHA Mortgage MUTUAL OF OMAHA MORTGAGE INC
Apr 25, 2019	Deed of Trust, Mortgage · FHA Mortgage FINANCIAL FREEDOM MTG
May 9, 2019	Correction Deed, Transfer EAGLE TITLE AGENCY LLC, EAGLE TITLE AGCY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2002 · Amount on Record
Deed Sale	Jun 7, 2002 · Amount on Record
Deed Book / Page	8111 / 5031
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	98 PINE NEEDLE ST, HOWELL, NJ 07731-2665
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0095949055
Date	May 11, 2022
Book Page	9594/9055
Instrument	2022051578

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	98 PINE NEEDLE ST, HOWELL, NJ 07731-2665
Document Number	0000040528
Instrument Date	Apr 25, 2019
Transaction Type	Mortgage
Record Updated	Jun 6, 2019
Title Company	EAGLE TITLE AGENCY LLC, EAGLE TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	98 PINE NEEDLE ST HOWELL NJ 077312665, HOWELL, NJ 07731-2665

Mortgage

Document Number	0000040528
Date	May 9, 2019
Book Page	009347/003398
Instrument	40528

Lender

Name	FINANCIAL FREEDOM MTG
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 8, 2049

May 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	MONMOUTH NJ
Recording Date	May 9, 2019
Property Address	98 PINE NEEDLE ST, HOWELL, NJ 07731-2665
Document Number	0000040508
Book / Page	009347 / 003269
Instrument Date	Apr 25, 2019
Instrument	40508
Transaction Type	Transfer
Record Updated	Jun 6, 2019
Title Company	EAGLE TITLE AGENCY LLC, EAGLE TITLE AGCY LLC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	96 PINE NEEDLE ST HOWELL NJ 077312665, HOWELL, NJ 07731-2665

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		$667,600 (+6.83%) Land $369,200 Building $298,400	$667,600 (+6.83%) Land $369,200 Building $298,400
2025	$10,711.00 (+4.37%)	$624,900 (+21.88%) Land $329,200 Building $295,700	$624,900 (+21.88%) Land $329,200 Building $295,700
2024	$10,263.00 (+11.94%)
2023		$512,700 Land $229,200 Building $283,500	$512,700 Land $229,200 Building $283,500
2022	$9,168.00

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	2 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 80% of the US · lower than 65% 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	BRICK TOWNSHIP MUA serves 81,829 people · EPA ID NJ1506001
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 466 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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