18 Atlantic St, Highlands, NJ 07732 Property Records

Monmouth County and Highlands Borough property record for 18 Atlantic St, Highlands, NJ 07732

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 880 sqft · built 1928
Lot Size	0.062 acres (2,701 sqft)
Owner	Individual Name on File
Last Sale	$315,500 (Sep 2020)
Tax Bill	$6,946 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`19-00072-0000-00006`

Property Details

APN / Parcel Number

Primary APN	`19-00072-0000-00006`
Alternative APNs	`190007200006` `00013800`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	880 sqft Living Area
1st Floor Area	496 sqft
Upper Floors Area	384 sqft
Basement Area	192 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Roof Material	Other
Lot Area	2,701 sqft (0.062 acres)
Lot Dimensions	90 ft deep x 30 ft wide
Porch	Open Porch
Deck Area	60 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Connected

Location & Zoning

Account Number	00013800
Street Address	18 ATLANTIC ST
City	HIGHLANDS
State	NJ
Zip	07732-1502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF0
Legal Subdivision	MEAD & CO
Legal Block	72
Legal Lot Number	6
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HIGHLANDS
Census Block Group	2
Census Block	2002
Census Tract	800101

Owner

18 Atlantic St is owned by an individual who bought it in September 2020.

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

Owner of Record	Individual Name on File
Mailing Address	60 LINDEN PL, RED BANK, NJ 07701-1900
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	Name on Deed
Last Sale	Sep 10, 2020 · Amount on File
Deed Sale	Sep 10, 2020 · Amount on File
Deed Document Number	2020102329
Deed Book / Page	9439 / 8517
Record Updated	Sep 20, 2026

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Sep 10, 2020
Property Address	18 ATLANTIC ST, HIGHLANDS, NJ 07732-1502
Document Number	0000102329
Book / Page	009439 / 008517
Instrument Date	Aug 4, 2020
Instrument	102329
Transaction Type	Transfer
Record Updated	Oct 22, 2020
Title Company	BROAD STREET TITLE AGENCY LLC, BROAD STREET TITLE AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$316.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 TALL OAKS CT FARMINGDALE NJ 077273845, FARMINGDALE, NJ 07727-3845

Mortgage

Document Number	102330
Date	Sep 10, 2020
Book Page	009439/008585
Instrument	102330

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 18 Atlantic St was $6,946, up 10.6% from the year before.

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		$512,400 (+26.14%) Land $327,200 Building $185,200	$512,400 (+26.14%) Land $327,200 Building $185,200
2025	$6,946.00 (+10.64%)	$406,200 Land $222,700 Building $183,500	$406,200 Land $222,700 Building $183,500
2024	$6,278.00
2023		$295,300 Land $117,100 Building $178,200	$295,300 Land $117,100 Building $178,200
2022	$5,582.00

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

Flood

FEMA maps place 18 Atlantic St 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	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

The area around 18 Atlantic St has no burnable land within ember reach, so its wildfire risk is not rated.

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 540 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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