14 Valley St, Highlands, NJ 07732 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,365 sqft · built 1923
Lot Size	0.057 acres (2,500 sqft)
Owner	Individual Name on Record
Last Sale	$325,000 (Aug 2018)
Tax Bill	$8,020 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Mar 2021 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`19-00065-0000-00008`

Property Details

APN / Parcel Number

Primary APN	`19-00065-0000-00008`
Alternative APNs	`190006500008` `00012130`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,365 sqft Living Area
1st Floor Area	756 sqft
Upper Floors Area	609 sqft
Basement Area	882 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Other
Lot Area	2,500 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 25 ft wide

Exterior Amenities

Porch	Open Porch
Deck Area	336 sqft
Shed	1 Shed
Shed Area	63 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00012130
Street Address	14 VALLEY ST
City	HIGHLANDS
State	NJ
Zip	07732-1649
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF0
Legal Subdivision	CECELIA F HOWELL
Legal Block	65
Legal Lot Number	8
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HIGHLANDS
Census Block Group	2
Census Block	2021
Census Tract	800101

Owner

Source: Monmouth County and Highlands Borough records, as of August 7, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	14 VALLEY ST, HIGHLANDS, NJ 07732-1649
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Deed of Trust, Mortgage · Line of Credit AFFINITY FEDERAL CREDIT UNION
Mar 23, 2021	Deed of Trust, Mortgage · FHA Mortgage MLB RESIDENTIAL LENDING LLC
May 6, 2019	Deed of Trust, Mortgage · Line of Credit PNC BK
Aug 8, 2018	Grant Deed, Transfer · Conventional Mortgage ADVISORS MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2018 · Amount on Record
Deed Sale	Aug 8, 2018 · Amount on Record
Prior Sale	Sep 20, 2004 · Amount on Record
Deed Document Number	201878812
Deed Book / Page	9305 / 764
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Recording Date	Jun 30, 2026
Property Address	14 VALLEY ST, HIGHLANDS, NJ 07732-1649
Document Number	0000053160
Book / Page	9800 / 3668
Instrument Date	Jun 22, 2026
Instrument	202653160
Transaction Type	Mortgage
Record Updated	Aug 7, 2026
Title Company	COASTAL TITLE, COASTAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 VALLEY ST, HIGHLANDS, NJ 07732-1649

Mortgage

Document Number	0000053160,
Date	Jun 30, 2026
Book Page	9800/3668
Instrument	202653160

Lender

Name	AFFINITY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 26, 2056

Interest

Rate	4.99%
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	14 VALLEY ST, HIGHLANDS, NJ 07732-1649
Transaction Type	Mortgage
Record Updated	Apr 22, 2021
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0094935432
Date	Mar 23, 2021
Book Page	9493/5432
Instrument	2021045846

Lender

Name	MLB RESIDENTIAL LENDING LLC
Type	Mortgage Company
Address	SPRINGFIELD, NJ 07081

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	14 VALLEY ST, HIGHLANDS, NJ 07732-1649
Document Number	0000046373
Instrument Date	May 6, 2019
Transaction Type	Mortgage
Record Updated	Jul 3, 2019
Title Company	SOUTHWEST FINANCIAL, SWF

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 VALLEY ST HIGHLANDS NJ 077321649, HIGHLANDS, NJ 07732-1649

Mortgage

Document Number	0000046373
Date	May 29, 2019
Book Page	009350/001181
Instrument	46373

Lender

Name	PNC BK
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Aug 8, 2018
Property Address	14 VALLEY ST, HIGHLANDS, NJ 07732-1649
Document Number	0000073812
Book / Page	009305 / 000764
Instrument Date	Jul 18, 2018
Instrument	73812
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	COASTAL TITLE, COASTAL TITLE AGENCY INC

Transaction

Amount	Amount Recorded
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
Address	14 VALLEY ST HIGHLANDS NJ 077321649, HIGHLANDS, NJ 07732-1649

Mortgage

Document Number	78813
Date	Aug 8, 2018
Book Page	009305/000769
Instrument	78813

Lender

Name	ADVISORS MTG
Type	Mortgage Company
Address	OCEAN, NJ 07712

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 7, 2048

Tax Assessment & Valuation

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		$575,700 (+22.75%) Land $326,200 Building $249,500	$575,700 (+22.75%) Land $326,200 Building $249,500
2025	$8,020.00 (+9.04%)	$469,000 (+34.62%) Land $221,700 Building $247,300	$469,000 (+34.62%) Land $221,700 Building $247,300
2024	$7,355.00 (+10.29%)
2023		$348,400 Land $116,200 Building $232,200	$348,400 Land $116,200 Building $232,200
2022	$6,669.00

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 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 Record 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

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

Wildfire Risk	Not rated no burnable land within 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 258 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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