20 Bay St, Highlands, NJ 07732 Property Records

Monmouth County and Highlands Borough property record for 20 Bay St, Highlands, NJ 07732

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,867 sqft · built 1923
Lot Size	0.222 acres (9,683 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Aug 2018)
Tax Bill	$12,404 (2025)
Deeds & Mortgages	Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-00026-0000-00001`

Property Details

APN / Parcel Number

Primary APN	`19-00026-0000-00001`
Alternative APNs	`190002600001` `00006070`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,867 sqft Living Area
1st Floor Area	1,217 sqft
Upper Floors Area	650 sqft
Basement Area	1,097 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Other
Lot Area	9,683 sqft (0.222 acres)
Lot Dimensions	103 ft deep x 94 ft wide
Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Deck Area	256 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00006070
Street Address	20 BAY ST
City	HIGHLANDS
State	NJ
Zip	07732-1802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF05
Legal Block	26
Legal Lot Number	1
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HIGHLANDS
Census Block Group	1
Census Block	1010
Census Tract	800102

Owner

20 Bay St is owned and occupied by two individuals who bought it in August 2018.

Source: Monmouth County and Highlands Borough records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20 BAY ST, HIGHLANDS, NJ 07732-1802
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2018 · Amount on File
Deed Sale	Aug 3, 2018 · Amount on File
Prior Sale	Feb 20, 1997 · Amount on File
Deed Document Number	201877110
Deed Book / Page	9304 / 2242
Record Updated	Oct 29, 2026

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Aug 3, 2018
Property Address	20 BAY ST, HIGHLANDS, NJ 07732-1802
Document Number	0000077110
Book / Page	009304 / 002242
Instrument Date	Jul 25, 2018
Instrument	77110
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	TITLE GUARANTY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 BAY ST HIGHLANDS NJ 077321802, HIGHLANDS, NJ 07732-1802

Mortgage

Document Number	77111
Date	Aug 3, 2018
Book Page	009304/002256
Instrument	77111

Lender

Name	COLUMBIA BK
Type	Bank
Address	FAIR LAWN, NJ 07410

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 2, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 20 Bay St was $12,404, down 1.6% 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		$800,000 (+10.28%) Land $452,100 Building $347,900	$800,000 (+10.28%) Land $452,100 Building $347,900
2025	$12,404.00 (-1.58%)	$725,400 Land $380,600 Building $344,800	$725,400 Land $380,600 Building $344,800
2024	$12,603.00
2023		$625,800 Land $298,100 Building $327,700	$625,800 Land $298,100 Building $327,700
2022	$10,767.00

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

Flood

FEMA maps place 20 Bay 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	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

Wildfire risk around 20 Bay St is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · above 57% of New Jersey
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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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