Monmouth County and Sea Bright Borough property record for 1041 Ocean Ave, Rumson, NJ 07760
| Property Type | Commercial |
|---|---|
| Details | 3,198 sqft |
| Lot Size | 2.99 acres (130,625 sqft) |
| Owner | Company Name on File |
| Tax Bill | $42,723 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 42-00023-0000-00003 |
| Primary APN | 42-00023-0000-00003 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 3,198 sqft Gross Area |
| 1st Floor Area | 3,198 sqft |
| Construction Type | Frame |
|---|---|
| Lot Area | 130,625 sqft |
| Lot Dimensions | 475 ft deep x 275 ft wide |
| Old Parcel Number | 4200016000000015 |
|---|---|
| Street Address | 1041 OCEAN AVE |
| City | RUMSON |
| State | NJ |
| Zip | 07760 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | C50 |
| Legal Block | 23 |
| Legal Lot Number | 3 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | SEA BRIGHT |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 812100 |
1041 Ocean Ave, a commercial property, is owned by a company.
Source: Monmouth County and Sea Bright Borough records, as of July 9, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 95 AVENUE OF TWO RIVERS, RUMSON, NJ 07760-1703 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 29, 2025 | Deed of Trust, Mortgage · Conventional Mortgage M & T BANK |
| Mar 31, 2021 | Deed of Trust, Mortgage · Commercial Mortgage BANK OF AMERICA NA |
| Jul 13, 2017 | Grant Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 1041 OCEAN AVE, RUMSON, NJ 07760 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2026 |
| Title Company | AMERICAN HOME TITLE |
| Name | Verified Name |
|---|---|
| Address | 85 TINDALL RD, MIDDLETOWN, NJ 07748-2741 |
| Document Number | 0097725418 |
|---|---|
| Date | Dec 29, 2025 |
| Book Page | 9772/5418 |
| Instrument | 2025103914 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Type Change Date | Jan 1, 2033 |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.6% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 10.6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 1041 OCEAN AVE, RUMSON, NJ 07760 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2021 |
| Title Company | MCT TITLE SERVICES LLC, SCOTT TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0094966346 |
|---|---|
| Date | Mar 31, 2021 |
| Book Page | 9496/6346 |
| Instrument | 2021051832 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | NEW YORK, NY 10036 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jul 13, 2017 |
| Property Address | 1041 OCEAN AVE, RUMSON, NJ 07760 |
| Document Number | 0092354825 |
| Book / Page | 009235 / 004825 |
| Instrument Date | Jun 16, 2017 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2017 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
The 2025 property tax bill for 1041 Ocean Ave was $42,723, down 7.3% from the year before.
Source: Monmouth County and Sea Bright Borough assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| Municipality | Sea Bright Borough |
| Elementary School District | Oceanport Borough School District (KG - 08) |
| Secondary School District | Shore Regional School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,316,200 (+6.39%) Land $3,831,400 Building $1,484,800 | $5,316,200 (+6.39%) Land $3,831,400 Building $1,484,800 | |
| 2025 | $42,723.00 (-7.35%) | $4,996,800 Land $3,712,000 Building $1,284,800 | $4,996,800 Land $3,712,000 Building $1,284,800 |
| 2024 | $46,112.00 | ||
| 2023 | $4,741,900 Land $3,612,000 Building $1,129,900 | $4,741,900 Land $3,612,000 Building $1,129,900 | |
| 2022 | $52,477.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1041 Ocean Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 221 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 346 units insured incl. 125 condo units |
| Nearby Flood Claims | 853 (1978–2024) |
| Claims Outside the SFHA | 2 of 853 |
| Most Recent Claim | Jan 2024 · river or lake flooding |
| 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 1041 Ocean Ave 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 99.1% of the US · lower than 97.3% 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 61 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 |
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