16 Harbor Dr, Rumson, NJ 07760 Property Records

Monmouth County and Rumson Borough property record for 16 Harbor Dr, Rumson, NJ 07760

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 8,000 sqft · built 1993
Lot Size	1.63 acres (71,003 sqft)
Owner	2 Individual Names on Record
Last Sale	$4,700,000 (Jul 2023)
Tax Bill	$60,048 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`41-00111-0000-00022`

Property Details

APN / Parcel Number

Primary APN	`41-00111-0000-00022`
Alternative APNs	`410011100022` `202700`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	3 Half Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	8,000 sqft Living Area
1st Floor Area	8,000 sqft
Upper Floors Area	3,099 sqft
Basement Area	1,529 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Split Level
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Hip
Roof Material	Other
Lot Area	71,003 sqft
Garage Type	Built-in
Garage Area	1,445 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Area	608 sqft
Pool House	182 sqft
Porch	Open Porch
Deck Area	186 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Connected

Location & Zoning

Account Number	202700
Street Address	16 HARBOR DR
City	RUMSON
State	NJ
Zip	07760-1018
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF80
Legal Description	ADDITIONAL LOTS: 22.01
Legal Block	111
Legal Lot Number	22
Jurisdiction	MONMOUTH NJ
Township / Civil Division	RUMSON
Census Block Group	4
Census Block	4017
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	16 HARBOR DR, RUMSON, NJ 07760-1018
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2023 · Amount on Record
Deed Sale	Jul 26, 2023 · Amount on Record
Prior Sale	Oct 20, 1992
Deed Document Number	202350763
Deed Book / Page	9653 / 3102
Record Updated	Sep 20, 2026

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Jul 26, 2023
Property Address	16 HARBOR DR, RUMSON, NJ 07760-1018
Document Number	0096533102
Book / Page	9653 / 3102
Instrument Date	Jun 28, 2023
Instrument	2023050763
Transaction Type	Transfer
Record Updated	Aug 23, 2023
Title Company	TRIDENT ABSTRACT TITLE AGENCY LLC, TRIDENT ABSTRACT TTL AGCY LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$76,835.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19 LANGTON DR, HOLMDEL, NJ 07733-2380

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 HARBOR DR, LOCUST, NJ 07760-1018

Mortgage

Document Number	2023050764
Date	Jul 26, 2023
Instrument	2023050764

Lender

Name	BCB COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Aug 1, 2030
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	1-Year T-Bill
Max Rate	10.6%

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		$7,824,600 (+36.69%) Land $2,757,300 Building $5,067,300	$7,824,600 (+36.69%) Land $2,757,300 Building $5,067,300
2025	$60,048.00 (+2.65%)	$5,724,300 (+17.17%) Land $2,564,700 Building $3,159,600	$5,724,300 (+17.17%) Land $2,564,700 Building $3,159,600
2024	$58,499.00 (-3.95%)
2023		$4,885,500 (+3.24%) Land $2,278,800 Building $2,606,700	$4,885,500 (+3.24%) Land $2,278,800 Building $2,606,700
2022	$60,902.00 (-5.46%)	$4,732,100 Land $1,963,000 Building $2,769,100	$4,732,100 Land $1,963,000 Building $2,769,100
2021	$64,422.00

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 97.3% of New Jersey
Wildfire Likelihood	Under 0.01% 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 91 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