21 Lighthouse Point Rd, Highlands, NJ 07732 Property Records

Monmouth County and Highlands Borough property record for 21 Lighthouse Point Rd, Highlands, NJ 07732

Property Summary

Property Type	Single Family Home
Details	1,980 sqft · built 2017
Owner	Individual Name on Record
Tax Bill	$20,253 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19 00101-0000-00027-02-C404`

Property Details

APN / Parcel Number

Primary APN	`19 00101-0000-00027-02-C404`
Alternative APN	`19-00101-0000-00027-02-C0404`

Interior

Building Area	1,980 sqft Living Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017

Location & Zoning

Old Parcel Number	190010100000002702C404
Street Address	21 LIGHTHOUSE POINT RD
City	HIGHLANDS
State	NJ
Zip	07732-1015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	HARBORSIDE/HUDSONS FERRY BLDG
Legal Block	101
Legal Lot Number	27.2
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HIGHLANDS
Census Block Group	1
Census Block	1003
Census Tract	800101

Owner

Source: Monmouth County and Highlands Borough records, as of July 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	21 LIGHTHOUSE POINT RD, HIGHLANDS, NJ 07732-1015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Sep 14, 2020	Deed of Trust, Mortgage JERSEY MTG
Sep 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage JERSEY MTG
Jan 17, 2017	Grant Deed, Subdivision Related Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	21 LIGHTHOUSE POINT RD, HIGHLANDS, NJ 07732-1015
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 LIGHTHOUSE POINT ROAD 404, 404, HIGHLANDS, NJ 07732-1015

Mortgage

Document Number	0094802854
Date	Feb 8, 2021
Book Page	9480/2854
Instrument	2021020786

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jan 7, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	21 LIGHTHOUSE POINT RD # 404, 404, HIGHLANDS, NJ 07732-1015
Document Number	0000010521
Instrument Date	Sep 14, 2020
Transaction Type	Mortgage
Record Updated	Apr 16, 2021
Title Company	DEMOCRACY TITLE AGENCY, DEMOCRACY TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	21 LIGHTHOUSE POINT RD HIGHLANDS NJ 077321015, HIGHLANDS, NJ 07732-1015

Mortgage

Document Number	0000010521
Date	Jan 20, 2021
Book Page	009474/007174
Instrument	10521

Lender

Name	JERSEY MTG
Type	Mortgage Company
Address	CRANFORD, NJ 07016

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 19, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	21 LIGHTHOUSE POINT RD # 404, 404, HIGHLANDS, NJ 07732-1015
Document Number	0000111409
Instrument Date	Sep 14, 2020
Transaction Type	Mortgage
Record Updated	Oct 23, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	21 LIGHTHOUSE POINT RD HIGHLANDS NJ 077321015, HIGHLANDS, NJ 07732-1015

Mortgage

Document Number	0000111409
Date	Sep 29, 2020
Book Page	009444/006775
Instrument	111409

Lender

Name	JERSEY MTG
Type	Mortgage Company
Address	CRANFORD, NJ 07016

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 28, 2050

January 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Jan 17, 2017
Property Address	21 LIGHTHOUSE POINT RD # 404, 404, HIGHLANDS, NJ 07732-1015
Document Number	0000005848
Book / Page	009208 / 002991
Instrument Date	Dec 27, 2016
Instrument	5848
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 2, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$670.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 LIGHTHOUSE POINT RD HIGHLANDS NJ 07732, HIGHLANDS, NJ 07732

Tax Assessment & Valuation

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		$1,161,300 (-1.95%) Land $580,000 Building $581,300	$1,161,300 (-1.95%) Land $580,000 Building $581,300
2025	$20,253.00 (+40.41%)	$1,184,400 (+77.31%) Land $797,500 Building $386,900	$1,184,400 (+77.31%) Land $797,500 Building $386,900
2024	$14,424.00 (+0.29%)
2023		$668,000 Land $302,500 Building $365,500	$668,000 Land $302,500 Building $365,500
2022	$14,382.00

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 131 individual policies
Nearby Flood Policies	418 units insured incl. 287 condo units
Nearby Flood Claims	76 (1991–2019)
Claims Outside the SFHA	3 of 76
Most Recent Claim	Mar 2019 · other causes
Claims by Event	Hurricane Sandy, Oct 2012 · 54 claims Hurricane Irene, Aug 2011 · 9 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 8 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

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

Wildfire Risk	Not rated no burnable land within ember reach

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 194 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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