18 Mountain St, Highlands, NJ 07732 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,189 sqft · built 1991
Lot Size	0.176 acres (7,649 sqft)
Owner	2 Individual Names on Record
Last Sale	$737,000 (Jan 2022)
Tax Bill	$16,254 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-00028-0000-00015-03`

Property Details

APN / Parcel Number

Primary APN	`19-00028-0000-00015-03`
Alternative APNs	`19000280000000150003` `00006550`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,189 sqft Living Area
1st Floor Area	1,755 sqft
Upper Floors Area	434 sqft
Basement Area	1,755 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Contemporary
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Other
Lot Area	7,649 sqft (0.176 acres)
Lot Dimensions	102 ft deep x 75 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	510 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00006550
Street Address	18 MOUNTAIN ST
City	HIGHLANDS
State	NJ
Zip	07732-1844
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	HIGHLANDS BOROUGH
Legal Block	28
Legal Lot Number	15.3
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HIGHLANDS
Census Block Group	1
Census Block	1008
Census Tract	800102

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	2 Individual Names on Record
Mailing Address	18 MOUNTAIN ST, HIGHLANDS, NJ 07732-1844
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2022	Bargain and Sale Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Nov 3, 2017	Grant Deed, Transfer · Conventional Mortgage ADVISORS MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 18, 2022 · Amount on Record
Deed Sale	Jan 18, 2022 · Amount on Record
Prior Sale	May 9, 2014 · Amount on Record
Deed Document Number	20226042
Deed Book / Page	9572 / 3783
Record Updated	Oct 29, 2026

January 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Jan 18, 2022
Property Address	18 MOUNTAIN ST, HIGHLANDS, NJ 07732-1844
Document Number	0095723783
Book / Page	9572 / 3783
Instrument Date	Jan 10, 2022
Instrument	2022006042
Transaction Type	Transfer
Record Updated	Feb 9, 2022
Title Company	FOUNDATION TITLE, FOUNDATION TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,637.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40 RIVER AVE, 40, MONMOUTH BEACH, NJ 07750-1358

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 MOUNTAIN ST, HIGHLANDS, NJ 07732-1844

Mortgage

Document Number	2022006043
Date	Jan 18, 2022
Instrument	2022006043

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

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

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Nov 3, 2017
Property Address	18 MOUNTAIN ST, HIGHLANDS, NJ 07732-1844
Document Number	0000108825
Book / Page	009257 / 004175
Instrument Date	Aug 11, 2017
Instrument	108825
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ALL AHEAD TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$565.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 MOUNTAIN ST HIGHLANDS NJ 077321844, HIGHLANDS, NJ 07732-1844

Mortgage

Document Number	108826
Date	Nov 3, 2017
Book Page	009257/004186
Instrument	108826

Lender

Name	ADVISORS MTG
Type	Mortgage Company
Address	OCEAN, NJ 07712

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 2, 2047

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		$1,055,700 (+11.07%) Land $486,300 Building $569,400	$1,055,700 (+11.07%) Land $486,300 Building $569,400
2025	$16,254.00 (-3.83%)	$950,500 (+12.66%) Land $386,300 Building $564,200	$950,500 (+12.66%) Land $386,300 Building $564,200
2024	$16,901.00 (+8.47%)
2023		$843,700 Land $431,100 Building $412,600	$843,700 Land $431,100 Building $412,600
2022	$15,581.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Hurricane Sandy, Oct 2012 · 4 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 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.

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 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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