Monmouth County and Highlands Borough property record for 10 Ocean St, Highlands, NJ 07732
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,578 sqft · built 1918 |
| Lot Size | 0.233 acres (10,136 sqft) |
| Owner | Trust Name on File |
| Last Sale | $1,235,000 (Aug 2026) |
| Tax Bill | $12,762 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-00010-0000-00003-01 |
| Primary APN | 19-00010-0000-00003-01 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 11 Rooms |
| Stories | 1 Story |
| Building Area | 2,578 sqft Living Area |
| Gross Area | 2,104 sqft |
| 1st Floor Area | 1,509 sqft |
| Basement Area | 1,628 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1918 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 10,136 sqft (0.233 acres) |
| Lot Dimensions | 137 ft deep x 74 ft wide |
| Porch | Open Porch |
| Deck Area | 958 sqft |
| Sewer | Connected |
|---|
| Account Number | 00002520 |
|---|---|
| Street Address | 10 OCEAN ST |
| City | HIGHLANDS |
| State | NJ |
| Zip | 07732-1839 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MF08 |
| Legal Block | 10 |
| Legal Lot Number | 3.1 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | HIGHLANDS |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 800102 |
10 Ocean St is owner-occupied and held in a trust since August 2026.
Source: Monmouth County and Highlands Borough records, as of August 27, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 10 OCEAN ST, HIGHLANDS, NJ 07732-1839 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
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 | Aug 14, 2026 · Amount on File |
| Deed Sale | Aug 14, 2026 · Amount on File |
| Deed Document Number | 202667357 |
| Deed Book / Page | 9808 / 2094 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Aug 14, 2026 |
| Property Address | 10 OCEAN ST, HIGHLANDS, NJ 07732-1839 |
| Document Number | 0000067357 |
| Book / Page | 9808 / 2094 |
| Instrument Date | Jul 16, 2026 |
| Instrument | 202667357 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $124,735.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 10 OCEAN ST, HIGHLANDS, NJ 07732-1839 |
| Document Number | 0000067358, |
|---|---|
| Date | Aug 14, 2026 |
| Instrument | 202667358 |
| Name | GLADSTONE BUSN LOAN |
|---|---|
| Special Notes | Seller Financed |
| Type | Seller Carry-Back |
|---|---|
| Amount | Amount on Record |
| Term | 36 Months |
| Due | Jul 16, 2029 |
| Max Rate | -1% |
|---|
The 2025 property tax bill for 10 Ocean St was $12,762, down 1.1% 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 | $771,600 (+3.39%) Land $403,900 Building $367,700 | $771,600 (+3.39%) Land $403,900 Building $367,700 | |
| 2025 | $12,762.00 (-1.09%) | $746,300 Land $381,900 Building $364,400 | $746,300 Land $381,900 Building $364,400 |
| 2024 | $12,902.00 | ||
| 2023 | $618,400 Land $293,900 Building $324,500 | $618,400 Land $293,900 Building $324,500 | |
| 2022 | $12,978.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10 Ocean 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 10 Ocean 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 96% of the US · lower than 89% 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 188 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 |
May also be available: T-Mobile.
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