Monmouth County and Rumson Borough property record for 10 Ridge Rd, Rumson, NJ 07760
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,489 sqft · built 1974 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,800,000 (Jan 2023) |
| Tax Bill | $25,438 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jan 2024 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-00070-0000-00004 |
| Primary APN | 41-00070-0000-00004 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,489 sqft Living Area |
| 1st Floor Area | 2,382 sqft |
| Upper Floors Area | 1,107 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Custom Design |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 87,120 sqft |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 648 sqft |
|---|---|
| Deck Area | 630 sqft |
| Patio Area | 1,314 sqft |
| Shed | 1 Shed |
| Shed Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 126100 |
|---|---|
| Street Address | 10 RIDGE RD |
| City | RUMSON |
| State | NJ |
| Zip | 07760-1907 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF40 |
| Legal Subdivision | ELIZABETH M HOAGLAND LANDS |
| Legal Block | 70 |
| Legal Lot Number | 4 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | RUMSON |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 803900 |
Source: Monmouth County and Rumson Borough 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 Individual Names on File |
|---|---|
| Mailing Address | 10 RIDGE RD, RUMSON, NJ 07760-1907 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 29, 2026 | Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| Jan 12, 2024 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Jul 12, 2023 | Deed of Trust, Mortgage · Line of Credit TRUMARK FINANCIAL CU |
| Apr 28, 2023 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Jan 19, 2023 | Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 19, 2023 · Amount on Record |
| Deed Sale | Jan 19, 2023 · Amount on Record |
| Prior Sale | Aug 25, 2010 · Amount on Record |
| Deed Document Number | 20234636 |
| Deed Book / Page | 9631 / 4316 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jun 29, 2026 |
| Property Address | 10 RIDGE RD, RUMSON, NJ 07760-1907 |
| Document Number | 0000052785 |
| Book / Page | 9800 / 1647 |
| Instrument Date | Jun 15, 2026 |
| Instrument | 202652785 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2026 |
| Title Company | LAND TITLE, ACRES LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,378,650.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10 RIDGE RD, RUMSON, NJ 07760-1907 |
| Document Number | 0000052786, |
|---|---|
| Date | Jun 29, 2026 |
| Instrument | 202652786 |
| Name | BANK OF AMERICA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.38% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 10 RIDGE RD, RUMSON, NJ 07760-1907 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2024 |
| Name | Verified Name |
|---|---|
| Address | 10 RIDGE RD, RUMSON, NJ 07760-1907 |
| Document Number | 0096742672 |
|---|---|
| Date | Jan 12, 2024 |
| Book Page | 9674/2672 |
| Instrument | 2024002870 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 10 RIDGE RD, RUMSON, NJ 07760-1907 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 10 RIDGE ROAD, RANSOM, PA 19034 |
| Document Number | 0096516104 |
|---|---|
| Date | Jul 12, 2023 |
| Book Page | 9651/6104 |
| Instrument | 2023047263 |
| Name | TRUMARK FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 10 RIDGE RD, RUMSON, NJ 07760-1907 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2023 |
| Title Company | TRIDENT ABSTRACT TITLE AGENCY LLC, TRIDENT ABSTRACT TTL AGCY LL |
| Name | Verified Name |
|---|---|
| Address | 10 RIDGE RD, RUMSON, NJ 07760-1907 |
| Document Number | 0096428389 |
|---|---|
| Date | Apr 28, 2023 |
| Book Page | 9642/8389 |
| Instrument | 2023029457 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jan 19, 2023 |
| Property Address | 10 RIDGE RD, RUMSON, NJ 07760-1907 |
| Document Number | 0096314316 |
| Book / Page | 9631 / 4316 |
| Instrument Date | Nov 25, 2022 |
| Instrument | 2023004636 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2023 |
| Title Company | TRIDENT ABSTRACT TITLE AGENCY LLC, TRIDENT ABSTRACT TTL AGCY LL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $37,255.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9121 WHISTLING SWAN LN, MANLIUS, NY 13104-9670 |
| Name | Verified Name |
|---|---|
| Address | 33 PARK AVE, RUMSON, NJ 07760-1523 |
| Document Number | 2023004637 |
|---|---|
| Date | Jan 19, 2023 |
| Instrument | 2023004637 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Dec 1, 2052 |
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 | $2,758,600 (+13.76%) Land $2,026,500 Building $732,100 | $2,758,600 (+13.76%) Land $2,026,500 Building $732,100 | |
| 2025 | $25,438.00 (+1.29%) | $2,425,000 (+10.49%) Land $1,801,900 Building $623,100 | $2,425,000 (+10.49%) Land $1,801,900 Building $623,100 |
| 2024 | $25,113.00 (-1.91%) | ||
| 2023 | $2,194,700 Land $1,610,000 Building $584,700 | $2,194,700 Land $1,610,000 Building $584,700 | |
| 2022 | $25,601.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 83% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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