12 Twinlights Ter, #E, Highlands, NJ 07732 Property Records

Monmouth County and Highlands Borough property record for 12 Twinlights Ter, #E, Highlands, NJ 07732

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,536 sqft · built 1973
Lot Size	0.906 acres (39,483 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Nov 2018)
Tax Bill	$8,305 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19 00011-05-00012`

Property Details

APN / Parcel Number

Primary APN	`19 00011-05-00012`
Alternative APNs	`19-00011-0000-00021-0000-C0512` `1900011000500012` `00003650`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,536 sqft Living Area
1st Floor Area	768 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Condo/Apartment
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	39,483 sqft (0.906 acres)
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Account Number	00003650
Street Address	12 TWINLIGHTS TER
City	HIGHLANDS
State	NJ
Zip	07732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TWINLIGHTS TERR UNIT 12-E NIT 1A
Legal Subdivision	TWINLIGHTS TERRACE CONDO BLDG
Legal Block	11
Legal Lot Number	21
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HIGHLANDS
Census Block Group	1
Census Block	1012
Census Tract	800102

Owner

12 Twinlights Ter, #E is owned by two individuals who bought it in November 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	12 TWINLIGHTS TER, HIGHLANDS, NJ 07732
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
Aug 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Nov 13, 2018	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2018 · Amount on File
Deed Sale	Nov 13, 2018 · Amount on File
Deed Document Number	2018109908
Deed Book / Page	9320 / 5628
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	E12 HILLSIDE CT, HIGHLANDS, NJ 07732-2016
Document Number	0000078057
Instrument Date	Aug 14, 2019
Transaction Type	Mortgage
Record Updated	Sep 17, 2019
Title Company	ACRES LAND TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	812 HILLSIDE CT HIGHLANDS NJ 07732, HIGHLANDS, NJ 07732

Mortgage

Document Number	0000078057
Date	Aug 26, 2019
Book Page	009365/000788
Instrument	78057

Lender

Name	GUARANTEED RATE AFFINITY LLC
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 25, 2049

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Nov 13, 2018
Property Address	E12 HILLSIDE CT, HIGHLANDS, NJ 07732-2016
Document Number	0000109908
Book / Page	009320 / 005628
Instrument Date	Oct 24, 2018
Instrument	109908
Transaction Type	Transfer
Record Updated	Nov 30, 2018
Title Company	ACRES LAND TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$315.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12E TWINLIGHTS TER HIGHLANDS NJ 07732, HIGHLANDS, NJ 07732

Mortgage

Document Number	109909
Date	Nov 13, 2018
Book Page	009320/005650
Instrument	109909

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 12, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 12 Twinlights Ter, #E was $8,305, up 1.2% 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		$497,700 (+2.47%) Land $275,000 Building $222,700	$497,700 (+2.47%) Land $275,000 Building $222,700
2025	$8,305.00 (+1.24%)	$485,700 Land $265,000 Building $220,700	$485,700 Land $265,000 Building $220,700
2024	$8,203.00
2023		$409,300 Land $197,700 Building $211,600	$409,300 Land $197,700 Building $211,600
2022	$8,360.00

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

Flood

FEMA maps place 12 Twinlights Ter, #E 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	Hurricane Sandy, Oct 2012 · 4 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 Twinlights Ter, #E is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 52% of New Jersey
Wildfire Likelihood	0.04% 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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