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197 Rumson Rd, Rumson, NJ 07760 Property Records

Monmouth County and Rumson Borough property record for 197 Rumson Rd, Rumson, NJ 07760

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 3,619 sqft · built 1972
Lot Size1 acres (43,560 sqft)
OwnerCompany Name on File
Last Sale$1,470,000 (Jun 2017)
Tax Bill$22,247 (2025)
Deeds & MortgagesSep 2021 Line of Credit
May 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN41-00107-0000-00005

Property Details

APN / Parcel Number

Primary APN41-00107-0000-00005
Alternative APNs
  • 410010700005
  • 195800

Interior

Bedrooms4 Beds
Full Baths3 Baths
Total Rooms8 Rooms
Stories1 Story
Building Area3,619 sqft Living Area
1st Floor Area3,619 sqft
Basement Area2,312 sqft

Exterior

Year BuiltBuilt 1972
Effective Year BuiltEffective 1973
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialOther
Lot Area43,560 sqft
Garage TypeBuilt-in
Garage Area816 sqft
Parking Spaces3 Parking Spaces
Pool Area800 sqft
PorchOpen Porch
Patio Area272 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
SewerConnected

Location & Zoning

Account Number195800
Street Address197 RUMSON RD
CityRUMSON
StateNJ
Zip07760-1053
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSF80
Legal SubdivisionRUMSON SHORE ESTATES SEC 01
Legal Block107
Legal Lot Number5
JurisdictionMONMOUTH NJ
Township / Civil DivisionRUMSON
Census Block Group4
Census Block4021
Census Tract803800

Owner

Source: Monmouth County and Rumson Borough records · APN 41-00107-0000-00005

Assessment roll updated July 9, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing Address197 RUMSON RD, RUMSON, NJ 07760-1053
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Family Trust

Deeds, Mortgages & Sale History

DateDocument
Sep 22, 2021Deed of Trust, Mortgage · Line of Credit
SANTANDER BANK NA
May 27, 2021Deed of Trust, Mortgage · Conventional Mortgage
SANTANDER BANK NA
Jun 30, 2017Grant Deed, Transfer
FINANCE OF AMERICA MTG

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 30, 2017 · Amount on Record
Deed SaleJun 30, 2017 · Amount on Record
Prior SaleFeb 06, 2014 · Amount on Record
Deed Document Number201762054
Deed Book / Page9233 / 3519
Last Transfer DateDec 28, 2022
Transfer Doc0096494665
Record UpdatedSep 20, 2026

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONMOUTH NJ
Property Address197 RUMSON RD, RUMSON, NJ 07760-1053
Transaction TypeMortgage
Record UpdatedAug 18, 2022
Title CompanyMORTGAGE CONNECT LP, MORTGAGE CONNECT LP VENDOR

Transferred To (Grantee/Buyer)

NameVerified Name
Address197 RUMSON RD, RUMSON, NJ 07760-1053

Mortgage

Document Number0095454206
DateSep 22, 2021
Book Page9545/4206
Instrument2021142141
Lender
NameSANTANDER BANK NA
TypeBank
AddressREADING, PA 19602
Agreement
TypeLine of Credit
AmountAmount Recorded
Term359 Months
DueAug 16, 2051
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONMOUTH NJ
Property Address197 RUMSON RD, RUMSON, NJ 07760-1053
Transaction TypeMortgage
Record UpdatedAug 18, 2022
Title CompanyRES/TITLE INC, RES TITLE INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0095155457
DateMay 27, 2021
Book Page9515/5457
Instrument2021085809
Lender
NameSANTANDER BANK NA
TypeBank
AddressWILMINGTON, DE 19801
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueJun 01, 2036

June 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionMONMOUTH NJ
Recording DateJun 30, 2017
Property Address197 RUMSON RD, RUMSON, NJ 07760-1053
Document Number0000062054
Book / Page009233 / 003519
Instrument DateDec 29, 2016
Instrument62054
Transaction TypeTransfer
Record UpdatedAug 02, 2017
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,470.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address197 RUMSON RD RUMSON NJ 077601053, RUMSON, NJ 07760-1053

Mortgage

Document Number62055
DateJun 30, 2017
Book Page009233/003530
Instrument62055
Lender
NameFINANCE OF AMERICA MTG
Address3 010 LAVA RIDGE CT # 220, ROSEVILLE, CA 95661
Agreement
AmountAmount Recorded
Term360 Months
DueJun 29, 2047

Tax Assessment & Valuation

Source: Monmouth County and Rumson Borough records · Assessment roll updated July 9, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateNew Jersey
CountyMonmouth County
MunicipalityRumson Borough
Elementary School DistrictRumson Borough School District (KG - 08)
Secondary School DistrictRumson-Fair Haven Regional School District (09 - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$2,347,700 (+10.7%) Land $1,557,000 Building $790,700$2,347,700 (+10.7%) Land $1,557,000 Building $790,700
2025$22,247.00 (+1.58%)$2,120,800 (+13.07%) Land $1,448,000 Building $672,800$2,120,800 (+13.07%) Land $1,448,000 Building $672,800
2024$21,901.00 (+2.42%)
2023$1,875,600 Land $1,320,500 Building $555,100$1,875,600 Land $1,320,500 Building $555,100
2022$21,383.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 118 policies
Nearby Flood Policies118 in force
Nearby Flood Claims279 (1978–2019)
Claims Outside the SFHA32 of 279
Most Recent ClaimJun 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

Wildfire

Wildfire RiskLow
lower than 94% of the US · lower than 85% of New Jersey
Wildfire Likelihood0.02% annual chance
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: T-Mobile USA.

Based on FCC filings for 115 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemNJ AMERICAN WATER - COASTAL NORTH
private · serves 377,613 people
Water SourceSurface water
Last State InspectionSep 2023
Lead2 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityTurbidity
resolved · Sep 2019
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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