15 Heathcliff Rd, Rumson, NJ 07760 Property Records

Monmouth County and Rumson Borough property record for 15 Heathcliff Rd, Rumson, NJ 07760

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 7,121 sqft · built 2009
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on File
Last Sale	$2,190,000 (Sep 2014)
Tax Bill	$33,828 (2025)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone AE (high risk)
APN	`41-00119-0000-00006`

Property Details

APN / Parcel Number

Primary APN	`41-00119-0000-00006`
Alternative APNs	`410011900006` `00000000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	7,121 sqft Living Area
1st Floor Area	4,420 sqft
Upper Floors Area	2,330 sqft
Attic	Attic
Attic Area	760 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Colonial
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Other
Lot Area	65,340 sqft
Garage Type	Built-in
Garage Area	1,079 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	880 sqft
Porch	Open Porch
Patio Area	1,194 sqft
Shed	1 Shed
Shed Area	81 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	15 HEATHCLIFF RD
City	RUMSON
State	NJ
Zip	07760-1203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF80
Legal Subdivision	HEATHCOATE FARMS
Legal Block	119
Legal Lot Number	6
Jurisdiction	MONMOUTH NJ
Township / Civil Division	RUMSON
Census Block Group	4
Census Block	4022
Census Tract	803800

Owner

15 Heathcliff Rd is owned and occupied by two individuals who bought it in September 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	15 HEATHCLIFF RD, RUMSON, NJ 07760-1203
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2014 · Amount on File
Deed Sale	Sep 4, 2014 · Amount on File
Prior Sale	Dec 29, 2008 · Amount on File
Deed Document Number	201470783
Deed Book / Page	9079 / 7630
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	15 HEATHCLIFF RD, RUMSON, NJ 07760-1203
Transaction Type	Mortgage
Record Updated	Jan 24, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0095703254
Date	Jan 7, 2022
Book Page	9570/3254
Instrument	2022002064

Lender

Name	HSBC BANK USA
Type	Bank
Address	NEW YORK, NY 10018

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Feb 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.75%
Index	Other
Margin	3
Max Rate	7.75%

Tax Assessment & Valuation

The 2025 property tax bill for 15 Heathcliff Rd was $33,828, up 2% from the year before.

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		$3,596,000 (+11.51%) Land $1,627,800 Building $1,968,200	$3,596,000 (+11.51%) Land $1,627,800 Building $1,968,200
2025	$33,828.00 (+2.02%)	$3,224,800 Land $1,513,900 Building $1,710,900	$3,224,800 Land $1,513,900 Building $1,710,900
2024	$33,158.00
2023		$2,836,100 Land $1,395,000 Building $1,441,100	$2,836,100 Land $1,395,000 Building $1,441,100
2022	$32,949.00

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

Flood

FEMA maps place 15 Heathcliff Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 118 policies
Nearby Flood Policies	118 in force
Nearby Flood Claims	279 (1978–2019)
Claims Outside the SFHA	32 of 279
Most Recent Claim	Jun 2019 · rainfall accumulation
Claims by Event	Hurricane Sandy, Nov 2012 · 129 claims Hurricane Irene, Aug 2011 · 19 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 74 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 15 Heathcliff Rd 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 67% of the US · above 51% of New Jersey
Wildfire Likelihood	0.04% 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 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35