129 Ridge Rd, Rumson, NJ 07760 Property Records

Monmouth County and Rumson Borough property record for 129 Ridge Rd, Rumson, NJ 07760

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 7,543 sqft · built 2012
Lot Size	2.33 acres (101,930 sqft)
Owner	2 Individual Names on Record
Tax Bill	$48,189 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-00087-0000-00038`

Property Details

APN / Parcel Number

Primary APN	`41-00087-0000-00038`
Alternative APNs	`410008700038` `157700`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	7,543 sqft Living Area
1st Floor Area	3,790 sqft
Upper Floors Area	3,654 sqft
Attic	Attic
Attic Area	1,247 sqft
Basement Area	3,790 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2013
Architectural Style	Colonial
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	101,930 sqft
Garage Area	1,111 sqft
Parking Spaces	7 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	157700
Street Address	129 RIDGE RD
City	RUMSON
State	NJ
Zip	07760-1044
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF80
Legal Subdivision	RUMSON
Legal Block	87
Legal Lot Number	38
Jurisdiction	MONMOUTH NJ
Township / Civil Division	RUMSON
Census Block Group	2
Census Block	2004
Census Tract	803800

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	129 RIDGE RD, RUMSON, NJ 07760-1044
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2022	Deed of Trust, Mortgage · Line of Credit ROCKET MORTGAGE LLC
Aug 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 5, 2020	Deed of Trust, Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	129 RIDGE RD, RUMSON, NJ 07760-1044
Transaction Type	Mortgage
Record Updated	Sep 20, 2022
Title Company	AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	129 RIDGE RD, RUMSON, NJ 07760-1044

Mortgage

Document Number	0096132217
Date	Aug 31, 2022
Book Page	9613/2217
Instrument	2022089467

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 12, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	129 RIDGE RD, RUMSON, NJ 07760-1044
Transaction Type	Mortgage
Record Updated	Sep 22, 2021
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0095396612
Date	Aug 30, 2021
Book Page	9539/6612
Instrument	2021131332

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.12%
Type Change Date	Sep 1, 2028
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7.12%
Index	1-Year LIBOR
Margin	3
Max Rate	7.12%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	129 RIDGE RD, RUMSON, NJ 07760-1044
Document Number	0000051205
Instrument Date	May 5, 2020
Transaction Type	Mortgage
Record Updated	Jul 17, 2020
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	129 RIDGE RD RUMSON NJ 077601044, RUMSON, NJ 07760-1044

Mortgage

Document Number	0000051205
Date	May 14, 2020
Book Page	009414/001240
Instrument	51205

Lender

Name	BANK OF AMERICA
Type	Bank
Address	101 S TRYON ST, CHARLOTTE, NC 28280-0002

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 13, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.75%

Tax Assessment & Valuation

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$5,178,100 (+12.72%) Land $2,007,500 Building $3,170,600	$5,178,100 (+12.72%) Land $2,007,500 Building $3,170,600
2025	$48,189.00 (+2.23%)	$4,593,800 (+19.34%) Land $1,867,000 Building $2,726,800	$4,593,800 (+19.34%) Land $1,867,000 Building $2,726,800
2024	$47,137.00 (+4.44%)
2023		$3,849,400 Land $1,623,900 Building $2,225,500	$3,849,400 Land $1,623,900 Building $2,225,500
2022	$45,132.00

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

Flood

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 Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	3 (1992–2012)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 2 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood	0.03% 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 118 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

May also be available: T-Mobile.

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