Monmouth County and Rumson Borough property record for 21 Bay St, Rumson, NJ 07760
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,442 sqft · built 2006 |
| Lot Size | 0.149 acres (6,499 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,400,000 (Aug 2022) |
| Tax Bill | $15,319 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-00069-0000-00013 |
| Primary APN | 41-00069-0000-00013 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,442 sqft Living Area |
| 1st Floor Area | 1,221 sqft |
| Upper Floors Area | 1,221 sqft |
| Basement Area | 1,221 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 6,499 sqft (0.149 acres) |
| Lot Dimensions | 130 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 180 sqft |
| Porch | Open Porch |
| Deck Area | 300 sqft |
| Patio Area | 314 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 125600 |
|---|---|
| Street Address | 21 BAY ST |
| City | RUMSON |
| State | NJ |
| Zip | 07760-1740 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF05 |
| Legal Subdivision | BUILDING LOTS/RUMSON |
| Legal Block | 69 |
| Legal Lot Number | 13 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | RUMSON |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 803900 |
21 Bay St is owned and occupied by two individuals who bought it in August 2022.
Source: Monmouth County and Rumson Borough records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 21 BAY ST, RUMSON, NJ 07760-1740 |
| 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.
| Date | Document |
|---|---|
| Aug 23, 2022 | Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Aug 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BFF LNDG SVCS INC |
| Mar 2, 2019 | Deed of Trust, Mortgage · Conventional Mortgage PNC BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 23, 2022 · Amount on File |
| Deed Sale | Aug 23, 2022 · Amount on File |
| Prior Sale | Jun 23, 2006 · Amount on File |
| Deed Document Number | 202286872 |
| Deed Book / Page | 9612 / 206 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Aug 23, 2022 |
| Property Address | 21 BAY ST, RUMSON, NJ 07760-1740 |
| Document Number | 0096120206 |
| Book / Page | 9612 / 206 |
| Instrument Date | Jun 24, 2022 |
| Instrument | 2022086872 |
| Transaction Type | Transfer |
| Record Updated | Sep 8, 2022 |
| Title Company | TWO RIVERS TITLE COMPANY LLC, TWO RIVERS TITLE CO LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $28,415.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 55 FORREST AVE, 55, RUMSON, NJ 07760-1618 |
| Name | Verified Name |
|---|---|
| Address | 21 BAY ST, RUMSON, NJ 07760-1740 |
| Document Number | 2022086873 |
|---|---|
| Date | Aug 23, 2022 |
| Instrument | 2022086873 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 21 BAY ST, RUMSON, NJ 07760-1740 |
| Document Number | 0000100881 |
| Instrument Date | Aug 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2020 |
| Title Company | ANGEL TITLE AND ABSTRACT INC, ANGEL TITLE & ABS INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 21 BAY ST RUMSON NJ 077601740, RUMSON, NJ 07760-1740 |
| Document Number | 0000100881 |
|---|---|
| Date | Sep 8, 2020 |
| Book Page | 009439/001117 |
| Instrument | 100881 |
| Name | BFF LNDG SVCS INC |
|---|---|
| Address | HOLMDEL, NJ 07733 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 7, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 21 BAY ST, RUMSON, NJ 07760-1740 |
| Document Number | 0000026029 |
| Instrument Date | Mar 2, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 21 BAY ST RUMSON NJ 077601740, RUMSON, NJ 07760-1740 |
| Document Number | 0000026029 |
|---|---|
| Date | Mar 25, 2019 |
| Book Page | 009340/007282 |
| Instrument | 26029 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 21 Bay St was $15,319, up 2.3% 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 | $1,639,500 (+12.27%) Land $885,800 Building $753,700 | $1,639,500 (+12.27%) Land $885,800 Building $753,700 | |
| 2025 | $15,319.00 (+2.28%) | $1,460,300 Land $803,600 Building $656,700 | $1,460,300 Land $803,600 Building $656,700 |
| 2024 | $14,978.00 | ||
| 2023 | $1,288,400 Land $721,400 Building $567,000 | $1,288,400 Land $721,400 Building $567,000 | |
| 2022 | $13,894.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21 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 21 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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