Monmouth County and Rumson Borough property record for 10 Bay St, Rumson, NJ 07760
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 3,453 sqft · built 2011 |
| Lot Size | 0.811 acres (35,322 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $3,560,000 (Jun 2025) |
| Tax Bill | $29,036 (2025) |
| Deeds & Mortgages | Jun 2025 Sale & Mortgage Oct 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-00070-0000-00016-02 |
| Primary APN | 41-00070-0000-00016-02 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,453 sqft Living Area |
| 1st Floor Area | 2,192 sqft |
| Upper Floors Area | 1,439 sqft |
| Basement Area | 1,623 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Architectural Style | Colonial |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 35,322 sqft (0.811 acres) |
| Garage Type | Built-in |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 578 sqft |
|---|---|
| Porch | Open Porch |
| Deck Area | 288 sqft |
| Patio Area | 192 sqft |
| Shed | 1 Shed |
| Shed Area | 63 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 10 BAY ST |
|---|---|
| City | RUMSON |
| State | NJ |
| Zip | 07760-1706 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NB |
| Legal Subdivision | BOROUGH/RUMSON |
| Legal Block | 70 |
| Legal Lot Number | 16.2 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | RUMSON |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 803900 |
10 Bay St is owned and occupied by two individuals who bought it in June 2025.
Source: Monmouth County and Rumson Borough records, as of July 9, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10 BAY ST, RUMSON, NJ 07760-1706 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 5, 2025 | Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Oct 6, 2023 | Deed, Transfer · Conventional Mortgage CITIBANK NA |
| Nov 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 5, 2025 · Amount on File |
| Deed Sale | Jun 5, 2025 · Amount on File |
| Prior Sale | Oct 6, 2023 · Amount on File |
| Deed Document Number | 202543841 |
| Deed Book / Page | 9741 / 1176 |
| Prior Transfer Date | Oct 11, 2007 |
| Prior Transfer Doc | 0086849841 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jun 5, 2025 |
| Property Address | 10 BAY ST, RUMSON, NJ 07760-1706 |
| Document Number | 0097411176 |
| Book / Page | 9741 / 1176 |
| Instrument Date | Jun 4, 2025 |
| Instrument | 2025043841 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2025 |
| Title Company | JERSEY SHORE TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $76,151.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3 ALLENCREST RD, RUMSON, NJ 07760-1201 |
| Name | Verified Name |
|---|---|
| Address | 10 BAY ST, RUMSON, NJ 07760-1706 |
| Document Number | 2025043842 |
|---|---|
| Date | Jun 5, 2025 |
| Instrument | 2025043842 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Oct 6, 2023 |
| Property Address | 10 BAY ST, RUMSON, NJ 07760-1706 |
| Document Number | 0096626353 |
| Book / Page | 9662 / 6353 |
| Instrument Date | Sep 26, 2023 |
| Instrument | 2023069872 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2023 |
| Title Company | FOUNDATION TITLE, FOUNDATION TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $61,565.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6552 ARMITAGE RD, NEW HOPE, PA 18938-5615 |
| Name | Verified Name |
|---|---|
| Address | 10 BAY ST, RUMSON, NJ 07760-1706 |
| Document Number | 2023069873 |
|---|---|
| Date | Oct 6, 2023 |
| Instrument | 2023069873 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 10 BAY ST, RUMSON, NJ 07760-1706 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2022 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|
| Document Number | 0095594297 |
|---|---|
| Date | Nov 19, 2021 |
| Book Page | 9559/4297 |
| Instrument | 2021168182 |
| Name | PRIMARY RESIDENTIAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SALT LAKE CITY, UT 84116 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
The 2025 property tax bill for 10 Bay St was $29,036, up 2.6% from the year before.
Source: Monmouth County and Rumson Borough assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| Municipality | Rumson Borough |
| Elementary School District | Rumson Borough School District (KG - 08) |
| Secondary School District | Rumson-Fair Haven Regional School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,187,200 (+15.14%) Land $1,453,900 Building $1,733,300 | $3,187,200 (+15.14%) Land $1,453,900 Building $1,733,300 | |
| 2025 | $29,036.00 (+2.56%) | $2,768,000 Land $1,292,800 Building $1,475,200 | $2,768,000 Land $1,292,800 Building $1,475,200 |
| 2024 | $28,310.00 | ||
| 2023 | $2,011,100 (+8.55%) Land $1,155,000 Building $856,100 | $2,011,100 (+8.55%) Land $1,155,000 Building $856,100 | |
| 2022 | $23,844.00 (+2.23%) | $1,852,700 Land $1,040,400 Building $812,300 | $1,852,700 Land $1,040,400 Building $812,300 |
| 2021 | $23,324.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10 Bay St in Zone X, an area of minimal flood risk, though there have been 111 flood claims nearby since 1984.
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 67 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 67 in force |
| Nearby Flood Claims | 111 (1984–2022) |
| Claims Outside the SFHA | 24 of 111 |
| Most Recent Claim | Nov 2022 · rainfall accumulation |
| 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 10 Bay St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 94% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 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.
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 294 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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