15 5th St, Highlands, NJ 07732 Property Records

Monmouth County and Highlands Borough property record for 15 5th St, Highlands, NJ 07732

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,533 sqft · built 1904
Lot Size	0.115 acres (5,001 sqft)
Owner	Individual Name on Record
Tax Bill	$7,575 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jun 2019 Mortgage
Flood Zone	Zone AE (high risk)
APN	`19-00057-0000-00010`

Property Details

APN / Parcel Number

Primary APN	`19-00057-0000-00010`
Alternative APNs	`190005700010` `00010360`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,533 sqft Living Area
1st Floor Area	1,101 sqft
Upper Floors Area	432 sqft

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Area	484 sqft
Parking Spaces	3 Parking Spaces
Deck Area	176 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	00010360
Street Address	15 5TH ST
City	HIGHLANDS
State	NJ
Zip	07732-1617
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF0
Legal Subdivision	HIGHLANDS/NAVESINK
Legal Block	57
Legal Lot Number	10
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HIGHLANDS
Census Block Group	2
Census Block	2023
Census Tract	800101

Owner

Source: Monmouth County and Highlands 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	Individual Name on Record
Mailing Address	15 5TH ST, HIGHLANDS, NJ 07732-1617
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED TELETECH FIN'L FCU
Jun 25, 2019	Deed of Trust, Mortgage · Conventional with PMI OCEANFIRST BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	15 5TH ST, HIGHLANDS, NJ 07732-1617
Document Number	0000107191
Instrument Date	Sep 8, 2020
Transaction Type	Mortgage
Record Updated	Oct 21, 2020
Title Company	CORPORATE SETTLEMENT SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 5TH ST HIGHLANDS NJ 077321617, HIGHLANDS, NJ 07732-1617

Mortgage

Document Number	0000107191
Date	Sep 21, 2020
Book Page	009442/003904
Instrument	107191

Lender

Name	UNITED TELETECH FIN'L FCU
Type	Credit Union
Address	TINTON FALLS, NJ 07724

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 20, 2030

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	15 5TH ST, HIGHLANDS, NJ 07732-1617
Document Number	0000058592
Instrument Date	Jun 25, 2019
Transaction Type	Mortgage
Record Updated	Jul 25, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	15 5TH ST HIGHLANDS NJ 077321617, HIGHLANDS, NJ 07732-1617

Mortgage

Document Number	0000058592
Date	Jul 2, 2019
Book Page	009355/008655
Instrument	58592

Lender

Name	OCEANFIRST BK
Type	Bank
Address	TOMS RIVER, NJ 08753

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2039

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		$549,500 (+24.04%) Land $333,300 Building $216,200	$549,500 (+24.04%) Land $333,300 Building $216,200
2025	$7,575.00 (+18.19%)	$443,000 (+47.18%) Land $228,800 Building $214,200	$443,000 (+47.18%) Land $228,800 Building $214,200
2024	$6,409.00 (+12.38%)
2023		$301,000 Land $122,400 Building $178,600	$301,000 Land $122,400 Building $178,600
2022	$5,703.00

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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