Monmouth County and Highlands Borough property record for 12 Mountain St, Highlands, NJ 07732
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,288 sqft · built 1998 |
| Lot Size | 0.081 acres (3,525 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $538,000 (Jan 2015) |
| Tax Bill | $13,714 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-00028-0000-00014-01 |
| Primary APN | 19-00028-0000-00014-01 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 3 Stories |
| Building Area | 3,288 sqft Living Area |
| 1st Floor Area | 1,144 sqft |
| Upper Floors Area | 2,144 sqft |
| Basement Area | 844 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 3,525 sqft (0.081 acres) |
| Lot Dimensions | 141 ft deep x 25 ft wide |
| Deck Area | 477 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 00006510 |
|---|---|
| Street Address | 12 MOUNTAIN ST |
| City | HIGHLANDS |
| State | NJ |
| Zip | 07732-1844 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1 |
| Legal Subdivision | JANE PALAMARA |
| Legal Block | 28 |
| Legal Lot Number | 14.1 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | HIGHLANDS |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 800102 |
12 Mountain St is owned and occupied by two individuals who bought it in January 2015.
Source: Monmouth County and Highlands Borough records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12 MOUNTAIN ST, HIGHLANDS, NJ 07732-1844 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 20, 2015 · Amount on File |
| Deed Sale | Jan 20, 2015 · Amount on File |
| Prior Sale | Sep 24, 1998 · Amount on File |
| Deed Document Number | 20154858 |
| Deed Book / Page | 9096 / 9895 |
| Prior Transfer Date | Oct 18, 2012 |
| Prior Transfer Doc | 0089777116 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 12 MOUNTAIN ST, HIGHLANDS, NJ 07732-1844 |
| Document Number | 0000004330 |
| Instrument Date | Dec 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12 MOUNTAIN ST HIGHLANDS NJ 077321844, HIGHLANDS, NJ 07732-1844 |
| Document Number | 0000004330 |
|---|---|
| Date | Jan 8, 2021 |
| Book Page | 009471/002127 |
| Instrument | 4330 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 7, 2051 |
The 2025 property tax bill for 12 Mountain St was $13,714, down 17.8% 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 | $905,800 (+12.94%) Land $488,100 Building $417,700 | $905,800 (+12.94%) Land $488,100 Building $417,700 | |
| 2025 | $13,714.00 (-17.84%) | $802,000 Land $388,100 Building $413,900 | $802,000 Land $388,100 Building $413,900 |
| 2024 | $16,691.00 | ||
| 2023 | $817,300 Land $405,200 Building $412,100 | $817,300 Land $405,200 Building $412,100 | |
| 2022 | $14,685.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Mountain 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 12 Mountain 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 93% of the US · lower than 81% 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 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures