Monmouth County and Highlands Borough property record for 1 Bay St, Highlands, NJ 07732
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,360 sqft · built 1916 |
| Lot Size | 0.104 acres (4,543 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $11,180 (2025) |
| Deeds & Mortgages | Aug 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-00026-0000-00018 |
| Primary APN | 19-00026-0000-00018 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,360 sqft Living Area |
| 1st Floor Area | 700 sqft |
| Upper Floors Area | 660 sqft |
| Basement Area | 528 sqft |
| Year Built | Built 1916 |
|---|---|
| Effective Year Built | Effective 1916 |
| Architectural Style | Colonial |
| Construction Type | Frame |
| Roof Type | Mansard |
| Roof Material | Other |
| Lot Area | 4,543 sqft (0.104 acres) |
| Lot Dimensions | 77 ft deep x 59 ft wide |
| Deck Area | 388 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 00006240 |
|---|---|
| Street Address | 1 BAY ST |
| City | HIGHLANDS |
| State | NJ |
| Zip | 07732-1802 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF05 |
| Legal Block | 26 |
| Legal Lot Number | 18 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | HIGHLANDS |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 800102 |
1 Bay St is owned and occupied by an individual who acquired it in March 2021.
Source: Monmouth County and Highlands Borough records, as of July 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20 BAY ST, HIGHLANDS, NJ 07732-1802 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 7, 1991 |
| Deed Sale | Jun 7, 1991 |
| Deed Book / Page | 5073 / 4 |
| Last Transfer Date | Mar 25, 2021 |
| Transfer Doc | 0096089935 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Aug 8, 2022 |
| Property Address | 1 BAY ST, HIGHLANDS, NJ 07732-1802 |
| Document Number | 0096089935 |
| Book / Page | 9608 / 9935 |
| Instrument Date | Mar 25, 2021 |
| Instrument | 2022080696 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20 BAY ST, 20, HIGHLANDS, NJ 07732-1802 |
| Name | Verified Name |
|---|---|
| Address | 20 BAY ST, HIGHLANDS, NJ 07732-1802 |
The 2025 property tax bill for 1 Bay St was $11,180 with a veteran's exemption, up 2.5% from the year before.
Source: Monmouth County and Highlands Borough assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| Municipality | Highlands Borough |
| Unified School District | Henry Hudson Regional School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $741,500 (+13.41%) Land $529,400 Building $212,100 | $741,500 (+13.41%) Land $529,400 Building $212,100 | |
| 2025 | $11,180.00 (+2.49%) Veteran's exemption | $653,800 Land $443,600 Building $210,200 | $653,800 Land $443,600 Building $210,200 |
| 2024 | $10,908.00 | ||
| 2023 | $546,100 Land $344,600 Building $201,500 | $546,100 Land $344,600 Building $201,500 | |
| 2022 | $8,456.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1 Bay St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1992.
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 |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 5 (1992–2012) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
| Claims by Event |
|
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 1 Bay St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 81% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.02% 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 | NJ AMERICAN WATER - COASTAL NORTH private · serves 377,613 people · EPA ID NJ1345001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2023 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | Turbidity resolved · Sep 2019 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 423 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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