Monmouth County and Rumson Borough property record for 20 Bay St, Rumson, NJ 07760
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,986 sqft · built 1927 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | Individual Name on File |
| Last Sale | $495,000 (May 2015) |
| Tax Bill | $10,741 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-00070-0000-00020 |
| Primary APN | 41-00070-0000-00020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,986 sqft Living Area |
| 1st Floor Area | 1,986 sqft |
| Upper Floors Area | 732 sqft |
| Basement Area | 100 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 7,501 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 552 sqft |
| Cooling System | HVAC |
|---|---|
| Sewer | Connected |
| Account Number | 127700 |
|---|---|
| Street Address | 20 BAY ST |
| City | RUMSON |
| State | NJ |
| Zip | 07760-1706 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF05 |
| Legal Block | 70 |
| Legal Lot Number | 20 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | RUMSON |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 803900 |
20 Bay St is owned and occupied by an individual who bought it in May 2015.
Source: Monmouth County and Rumson Borough records, as of July 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20 BAY ST, RUMSON, NJ 07760-1706 |
| 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 | Name on Deed |
|---|---|
| Last Sale | May 29, 2015 · Amount on File |
| Deed Sale | May 29, 2015 · Amount on File |
| Prior Sale | Dec 29, 1993 · Amount on File |
| Deed Document Number | 201547475 |
| Deed Book / Page | 9114 / 9790 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 20 Bay St was $10,741, up 2.6% from the year before.
Source: Monmouth County and Rumson Borough assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| Municipality | Rumson Borough |
| Elementary School District | Rumson Borough School District (KG - 08) |
| Secondary School District | Rumson-Fair Haven Regional School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,142,800 (+11.61%) Land $915,000 Building $227,800 | $1,142,800 (+11.61%) Land $915,000 Building $227,800 | |
| 2025 | $10,741.00 (+2.64%) | $1,023,900 Land $830,000 Building $193,900 | $1,023,900 Land $830,000 Building $193,900 |
| 2024 | $10,465.00 | ||
| 2023 | $905,000 Land $745,000 Building $160,000 | $905,000 Land $745,000 Building $160,000 | |
| 2022 | $10,428.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Bay St in Zone X, an area of minimal flood risk, though there have been 111 flood claims nearby since 1984.
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 67 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 67 in force |
| Nearby Flood Claims | 111 (1984–2022) |
| Claims Outside the SFHA | 24 of 111 |
| Most Recent Claim | Nov 2022 · 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 Bay 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 98% of the US · lower than 94% 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 294 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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