14 Bay St, Highlands, NJ 07732 Property Records

Monmouth County and Highlands Borough property record for 14 Bay St, Highlands, NJ 07732

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,209 sqft · built 1904
Lot Size	0.073 acres (3,184 sqft)
Owner	2 Individual Names on File
Last Sale	$707,000 (Jul 2022)
Tax Bill	$12,502 (2025)
Deeds & Mortgages	May 2021 Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-00026-0000-00006`

Property Details

APN / Parcel Number

Primary APN	`19-00026-0000-00006`
Alternative APNs	`190002600006` `00006120`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,209 sqft Living Area
1st Floor Area	813 sqft
Upper Floors Area	180 sqft
Basement Area	708 sqft

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Architectural Style	Traditional
Exterior Material	Stucco
Roof Type	Gable
Roof Material	Other
Lot Area	3,184 sqft (0.073 acres)
Lot Dimensions	65 ft deep x 49 ft wide
Garage Type	Attached
Porch	Enclosed Porch
Deck Area	320 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	00006120
Street Address	14 BAY ST
City	HIGHLANDS
State	NJ
Zip	07732-1802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF05
Legal Subdivision	HIGHLANDS
Legal Block	26
Legal Lot Number	6
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HIGHLANDS
Census Block Group	1
Census Block	1010
Census Tract	800102

Owner

14 Bay St is owned and occupied by two individuals who bought it in July 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	14 BAY ST, HIGHLANDS, NJ 07732-1802
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.

Deeds, Mortgages & Sale History

Date	Document
May 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jul 7, 2022	Deed, Transfer · Conventional Mortgage NEW JERSEY LENDERS CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2022 · Amount on File
Deed Sale	Jul 7, 2022 · Amount on File
Prior Sale	Nov 17, 2015 · Amount on File
Deed Document Number	202270465
Deed Book / Page	9604 / 270
Transfer Doc	0000095674
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	14 BAY ST, HIGHLANDS, NJ 07732-1802
Transaction Type	Mortgage
Record Updated	Aug 18, 2022
Title Company	ACRES LAND TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0095117718
Date	May 17, 2021
Book Page	9511/7718
Instrument	2021079532

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2041

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Jul 7, 2022
Property Address	14 BAY ST, HIGHLANDS, NJ 07732-1802
Document Number	0096040270
Book / Page	9604 / 270
Instrument Date	Jun 2, 2022
Instrument	2022070465
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	OCEANVIEW TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,319.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8920 THUMBWOOD CIR, 8920, BOYNTON BEACH, FL 33436-7914

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 BAY ST # A, A, HIGHLANDS, NJ 07732-1802

Mortgage

Document Number	2022070466
Date	Jul 7, 2022
Instrument	2022070466

Lender

Name	NEW JERSEY LENDERS CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 14 Bay St was $12,502, up 30.9% 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		$819,600 (+12.11%) Land $521,800 Building $297,800	$819,600 (+12.11%) Land $521,800 Building $297,800
2025	$12,502.00 (+30.86%)	$731,100 Land $436,000 Building $295,100	$731,100 Land $436,000 Building $295,100
2024	$9,554.00
2023		$433,600 Land $224,700 Building $208,900	$433,600 Land $224,700 Building $208,900
2022	$7,225.00

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

Flood

FEMA maps place 14 Bay 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	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 14 Bay St is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · above 57% of New Jersey
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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.

Nearby Properties on Bay St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures