12 2nd St, Highlands, NJ 07732 Property Records

Monmouth County and Highlands Borough property record for 12 2nd St, Highlands, NJ 07732

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 960 sqft · built 1923
Lot Size	0.115 acres (5,001 sqft)
Owner	Individual Name on File
Last Sale	$162,000 (Aug 2019)
Tax Bill	$6,135 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`19-00059-0000-00025`

Property Details

APN / Parcel Number

Primary APN	`19-00059-0000-00025`
Alternative APNs	`190005900025` `00010960`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	960 sqft Living Area
1st Floor Area	480 sqft
Upper Floors Area	480 sqft
Basement Area	480 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Traditional
Construction Type	Frame
Foundation Type	Block
Roof Type	Gambrel
Roof Material	Other
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	136 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	00010960
Street Address	12 2ND ST
City	HIGHLANDS
State	NJ
Zip	07732-1628
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF0
Legal Subdivision	SEA SIDE/HLNDS NAVESINK
Legal Block	59
Legal Lot Number	25
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HIGHLANDS
Census Block Group	2
Census Block	2039
Census Tract	800101

Owner

12 2nd St is owned by an individual who bought it in August 2019.

Source: Monmouth County and Highlands Borough records, as of July 24, 2026

Owner of Record	Individual Name on File
Mailing Address	188 BAY AVE, HIGHLANDS, NJ 07732-1624
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CHRISTY MAZZARISI SEP IRA TD
Aug 21, 2019	Grant Deed, Transfer · Conventional with PMI ADVISORS MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2019 · Amount on File
Deed Sale	Aug 21, 2019 · Amount on File
Prior Sale	Nov 18, 2005
Deed Document Number	201976556
Deed Book / Page	9364 / 4112
Prior Transfer Date	Mar 3, 2015
Prior Transfer Doc	0091074140
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	12 2ND ST, HIGHLANDS, NJ 07732-1628
Transaction Type	Mortgage
Record Updated	Apr 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 BAY AVENUE, FORT HANCOCK, NJ

Mortgage

Document Number	0097841236
Date	Mar 13, 2026
Book Page	9784/1236
Instrument	2026021673

Lender

Name	CHRISTY MAZZARISI SEP IRA TD
Type	Non-Lending Institution
Address	ALBUQUERQUE, NM 87110

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Aug 21, 2019
Property Address	12 2ND ST, HIGHLANDS, NJ 07732-1628
Document Number	0000076556
Book / Page	009364 / 004112
Instrument Date	Jul 31, 2019
Instrument	76556
Transaction Type	Transfer
Record Updated	Sep 18, 2019
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$162.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 2ND ST HIGHLANDS NJ 077321628, HIGHLANDS, NJ 07732-1628

Mortgage

Document Number	76557
Date	Aug 21, 2019
Book Page	009364/004186
Instrument	76557

Lender

Name	ADVISORS MTG
Type	Mortgage Company
Address	OCEAN, NJ 07712

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 12 2nd St was $6,135, up 14.3% from the year before.

Source: Monmouth County and Highlands Borough assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
Municipality	Highlands Borough
Unified School District	Henry Hudson Regional School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$464,500 (+29.46%) Land $333,300 Building $131,200	$464,500 (+29.46%) Land $333,300 Building $131,200
2025	$6,135.00 (+14.33%)	$358,800 Land $228,800 Building $130,000	$358,800 Land $228,800 Building $130,000
2024	$5,366.00
2023		$249,500 Land $122,400 Building $127,100	$249,500 Land $122,400 Building $127,100
2022	$4,648.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12 2nd St 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	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 271 individual policies
Nearby Flood Policies	315 units insured incl. 44 condo units
Nearby Flood Claims	183 (1992–2023)
Most Recent Claim	Sep 2023 · rainfall accumulation
Claims by Event	Hurricane Sandy, Nov 2012 · 121 claims Hurricane Irene, Aug 2011 · 37 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 10 claims

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

Wildfire risk around 12 2nd 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 99.8% of the US · lower than 99.5% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 423 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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