Monmouth County and Rumson Borough property record for 11 Bay St, Rumson, NJ 07760
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 3,052 sqft · built 2019 |
| Lot Size | 0.171 acres (7,449 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,320,000 (Sep 2020) |
| Tax Bill | $20,818 (2025) |
| Deeds & Mortgages | Sep 2020 Sale Jan 2019 Sale & Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-00068-0000-00013 |
| Primary APN | 41-00068-0000-00013 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,052 sqft Living Area |
| 1st Floor Area | 1,258 sqft |
| Upper Floors Area | 1,258 sqft |
| Basement Area | 1,258 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 7,449 sqft (0.171 acres) |
| Lot Dimensions | 149 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Patio Area | 216 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 124200 |
|---|---|
| Street Address | 11 BAY ST |
| City | RUMSON |
| State | NJ |
| Zip | 07760-1705 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF05 |
| Legal Subdivision | RUMSON |
| Legal Block | 68 |
| Legal Lot Number | 13 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | RUMSON |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 803900 |
11 Bay St is owned and occupied by two individuals who bought it in September 2020.
Source: Monmouth County and Rumson Borough records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11 BAY ST, RUMSON, NJ 07760-1705 |
| 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.
| Date | Document |
|---|---|
| Sep 11, 2020 | Grant Deed, Subdivision Related Transfer TWO RIVERS TITLE COMPANY LLC, TWO RIVERS TITLE CO LLC |
| Jan 8, 2019 | Grant Deed, Construction Loan · Construction Mortgage TWO RIVER CMNTY BK |
| Oct 25, 2018 | Deed of Trust, Mortgage · Line of Credit TWO RIVER CMNTY BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 11, 2020 · Amount on File |
| Deed Sale | Sep 11, 2020 · Amount on File |
| Prior Sale | Jan 8, 2019 · Amount on File |
| Deed Document Number | 2020102901 |
| Deed Book / Page | 9440 / 1729 |
| Prior Transfer Date | Dec 9, 2005 |
| Prior Transfer Doc | 0085432222 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Sep 11, 2020 |
| Property Address | 11 BAY ST, RUMSON, NJ 07760-1705 |
| Document Number | 0000102901 |
| Book / Page | 009440 / 001729 |
| Instrument Date | Aug 19, 2020 |
| Instrument | 102901 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 14, 2020 |
| Title Company | TWO RIVERS TITLE COMPANY LLC, TWO RIVERS TITLE CO LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $1,320.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 11 BAY ST RUMSON NJ 077601705, RUMSON, NJ 07760-1705 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jan 8, 2019 |
| Property Address | 11 BAY ST, RUMSON, NJ 07760-1705 |
| Document Number | 0000002155 |
| Book / Page | 009329 / 008183 |
| Instrument Date | Dec 19, 2018 |
| Instrument | 2155 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 25, 2019 |
| Title Company | MCT TITLE SERVICES LLC, SCOTT TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $485.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3 TULIP LN RUMSON NJ 07760, RUMSON, NJ 07760 |
| Document Number | 2156 |
|---|---|
| Date | Jan 8, 2019 |
| Book Page | 009329/008192 |
| Instrument | 2156 |
| Name | TWO RIVER CMNTY BK |
|---|---|
| Type | Bank |
| Address | TINTON FALLS, NJ 07724 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 11 BAY ST, RUMSON, NJ 07760-1705 |
| Document Number | 0000009945 |
| Instrument Date | Oct 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2019 |
| Title Company | MCT TITLE SERVICES LLC, SCOTT TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6 E WASHINGTON AVE #B ATLANTIC HIGHLANDS NJ 077161230, B, ATLANTIC HIGHLANDS, NJ 07716-1230 |
| Document Number | 0000009945 |
|---|---|
| Date | Jan 30, 2019 |
| Book Page | 009333/003853 |
| Instrument | 9945 |
| Name | TWO RIVER CMNTY BK |
|---|---|
| Type | Bank |
| Address | TINTON FALLS, NJ 07724 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 11 Bay St was $20,818, up 3.7% 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 | $2,259,300 (+13.84%) Land $907,700 Building $1,351,600 | $2,259,300 (+13.84%) Land $907,700 Building $1,351,600 | |
| 2025 | $20,818.00 (+3.67%) | $1,984,600 Land $823,400 Building $1,161,200 | $1,984,600 Land $823,400 Building $1,161,200 |
| 2024 | $20,081.00 | ||
| 2023 | $1,706,100 Land $739,100 Building $967,000 | $1,706,100 Land $739,100 Building $967,000 | |
| 2022 | $20,119.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11 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 11 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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