Monmouth County and Highlands Borough property record for 20 2nd St, Highlands, NJ 07732
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,288 sqft · built 1904 |
| Lot Size | 0.057 acres (2,500 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,107 (2025) |
| Deeds & Mortgages | Feb 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 19-00059-0000-00022 |
| Primary APN | 19-00059-0000-00022 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,288 sqft Living Area |
| 1st Floor Area | 720 sqft |
| Upper Floors Area | 504 sqft |
| Basement Area | 720 sqft |
| Year Built | Built 1904 |
|---|---|
| Effective Year Built | Effective 1904 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 2,500 sqft (0.057 acres) |
| Lot Dimensions | 100 ft deep x 25 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Deck Area | 404 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 00010930 |
|---|---|
| Street Address | 20 2ND ST |
| City | HIGHLANDS |
| State | NJ |
| Zip | 07732-1628 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF0 |
| Legal Subdivision | SEFTON TR |
| Legal Block | 59 |
| Legal Lot Number | 22 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | HIGHLANDS |
| Census Block Group | 2 |
| Census Block | 2039 |
| Census Tract | 800101 |
20 2nd St is owned and occupied by two individuals who acquired it in February 2010.
Source: Monmouth County and Highlands Borough records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 2ND ST, HIGHLANDS, NJ 07732-1628 |
| 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 Transfer Date | Feb 4, 2010 |
| Transfer Doc | 0088209267 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 20 2ND ST, HIGHLANDS, NJ 07732-1628 |
| Document Number | 0000023713 |
| Instrument Date | Feb 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2020 |
| Title Company | WFG NATIONAL TITLE INSURANCE, WFG NAT'L TITLE INS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 20 2ND ST HIGHLANDS NJ 077321628, HIGHLANDS, NJ 07732-1628 |
| Document Number | 0000023713 |
|---|---|
| Date | Feb 28, 2020 |
| Book Page | 009400/000989 |
| Instrument | 23713 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 27, 2040 |
The 2025 property tax bill for 20 2nd St was $7,107, up 14% 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 | $521,800 (+25.55%) Land $326,200 Building $195,600 | $521,800 (+25.55%) Land $326,200 Building $195,600 | |
| 2025 | $7,107.00 (+13.99%) | $415,600 Land $221,700 Building $193,900 | $415,600 Land $221,700 Building $193,900 |
| 2024 | $6,235.00 | ||
| 2023 | $293,200 Land $116,200 Building $177,000 | $293,200 Land $116,200 Building $177,000 | |
| 2022 | $5,537.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 2nd 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 |
|
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 20 2nd St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.5% 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.
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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