Monmouth County and Highlands Borough property record for 17 Prospect St, Highlands, NJ 07732
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,515 sqft · built 1979 |
| Lot Size | 0.202 acres (8,799 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $704,000 (Jul 2008) |
| Tax Bill | $12,633 (2025) |
| Deeds & Mortgages | Nov 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-00028-0000-00017 |
| Primary APN | 19-00028-0000-00017 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,515 sqft Living Area |
| 1st Floor Area | 1,161 sqft |
| Basement Area | 1,161 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Contemporary |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 8,799 sqft (0.202 acres) |
| Lot Dimensions | 110 ft deep x 80 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Deck Area | 450 sqft |
|---|---|
| Patio Area | 430 sqft |
| Shed | 1 Shed |
| Shed Area | 36 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 00006580 |
|---|---|
| Street Address | 17 PROSPECT ST |
| City | HIGHLANDS |
| State | NJ |
| Zip | 07732-1823 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF05 |
| Legal Block | 28 |
| Legal Lot Number | 17 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | HIGHLANDS |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 800102 |
17 Prospect St is owned and occupied by two individuals who bought it in July 2008.
Source: Monmouth County and Highlands Borough records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 17 PROSPECT ST, HIGHLANDS, NJ 07732-1823 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 22, 2008 · Amount on File |
| Deed Sale | Jul 22, 2008 · Amount on File |
| Prior Sale | Dec 17, 2003 · Amount on File |
| Deed Document Number | 200881106 |
| Deed Book / Page | 8732 / 6171 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 17 PROSPECT ST, HIGHLANDS, NJ 07732-1823 |
| Document Number | 0000111890 |
| Instrument Date | Nov 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2019 |
| Title Company | LINCOLN LAND SERVICES, LINCOLN LAND SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 17 PROSPECT ST HIGHLANDS NJ 077321823, HIGHLANDS, NJ 07732-1823 |
| Document Number | 0000111890 |
|---|---|
| Date | Nov 22, 2019 |
| Book Page | 009381/005040 |
| Instrument | 111890 |
| Name | RAYMOND JAMES BK |
|---|---|
| Type | Bank |
| Address | SAINT PETERSBURG, FL 33716 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 21, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
The 2025 property tax bill for 17 Prospect St was $12,633, down 7.8% from the year before.
Source: Monmouth County and Highlands Borough assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| Municipality | Highlands Borough |
| Unified School District | Henry Hudson Regional School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $842,000 (+13.97%) Land $489,000 Building $353,000 | $842,000 (+13.97%) Land $489,000 Building $353,000 | |
| 2025 | $12,633.00 (-7.78%) | $738,800 Land $389,000 Building $349,800 | $738,800 Land $389,000 Building $349,800 |
| 2024 | $13,699.00 | ||
| 2023 | $683,400 Land $348,500 Building $334,900 | $683,400 Land $348,500 Building $334,900 | |
| 2022 | $12,237.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 17 Prospect 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 |
|
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 risk around 17 Prospect St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 81% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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.
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