20 Rustic Way, Freehold, NJ 07728 Property Records

Monmouth County and Freehold Township property record for 20 Rustic Way, Freehold, NJ 07728

Property Summary

Property Type	Single Family Home
Details	6 bd · 2 ba · 4,642 sqft · built 1996
Lot Size	1.11 acres (48,395 sqft)
Owner	2 Individual Names on File
Last Sale	$687,000 (Mar 2011)
Tax Bill	$22,027 (2025)
Deeds & Mortgages	Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-00031-0000-00006-20`

Property Details

APN / Parcel Number

Primary APN	`17-00031-0000-00006-20`
Alternative APNs	`17000310000000060020` `1108024`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	4,642 sqft Living Area
1st Floor Area	3,242 sqft
Upper Floors Area	1,525 sqft
Basement Area	1,852 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Other
Lot Area	48,395 sqft
Lot Dimensions	218 ft deep x 222 ft wide
Garage Type	Built-in
Garage Area	690 sqft
Parking Spaces	2 Parking Spaces
Pool Area	800 sqft
Porch	Open Porch
Deck Area	729 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	1108024
Street Address	20 RUSTIC WAY
City	FREEHOLD
State	NJ
Zip	07728-9010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-60
Legal Subdivision	FOUR MAPLES ESTATES
Legal Block	31
Legal Lot Number	6.20
Jurisdiction	MONMOUTH NJ
Township / Civil Division	FREEHOLD
Census Block Group	1
Census Block	1011
Census Tract	810402

Owner

20 Rustic Way is owned and occupied by two individuals who bought it in March 2011.

Source: Monmouth County and Freehold Township records, as of July 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20 RUSTIC WAY, FREEHOLD, NJ 07728-9010
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	Mar 28, 2011 · Amount on File
Deed Sale	Mar 28, 2011 · Amount on File
Prior Sale	Jan 23, 1997 · Amount on File
Deed Document Number	201131074
Deed Book / Page	8884 / 5665
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	20 RUSTIC WAY, FREEHOLD, NJ 07728-9010
Document Number	0000039502
Instrument Date	Apr 4, 2020
Transaction Type	Mortgage
Record Updated	Jul 9, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 RUSTIC WAY FREEHOLD NJ 077289010, FREEHOLD, NJ 07728-9010

Mortgage

Document Number	0000039502
Date	Apr 17, 2020
Book Page	009407/007024
Instrument	39502

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 16, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 20 Rustic Way was $22,027, up 11.4% from the year before.

Source: Monmouth County and Freehold Township assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
County Subdivision	Freehold Township
Secondary School District	Freehold Regional School District (09 - 12)
Elementary School District	Freehold Township School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,443,500 (+11.41%) Land $384,500 Building $1,059,000	$1,443,500 (+11.41%) Land $384,500 Building $1,059,000
2025	$22,027.00 (+11.43%)	$1,295,700 Land $364,500 Building $931,200	$1,295,700 Land $364,500 Building $931,200
2024	$19,768.00
2023		$1,040,500 Land $356,700 Building $683,800	$1,040,500 Land $356,700 Building $683,800
2022	$19,438.00

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

Flood

FEMA maps place 20 Rustic Way in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2010.

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
Nearby Flood Policies	9 in force
Nearby Flood Claims	4 (2010–2011)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 3 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 Rustic Way is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 87% of New Jersey
Wildfire Likelihood	0.02% 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	FREEHOLD TWP WATER DEPT serves 29,831 people · EPA ID NJ1316001
Water Source	Purchased surface water from VEOLIA WATER NEW JERSEY MATCHAPONIX
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Optimum Cable · Fiber in parts of the area	940 / 35
T-Mobile Fixed Wireless	100 / 20