Sussex County and Vernon Township property record for 22 Rustic Rd, Highland Lakes, NJ 07422
| Property Type | Single Family Home |
|---|---|
| Details | 2,844 sqft · built 2006 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $2,400 (Mar 2004) |
| Tax Bill | $10,243 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Oct 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-00092-0000-00006 |
| Primary APN | 22-00092-0000-00006 |
|---|---|
| Alternative APN |
|
| Building Area | 2,844 sqft Living Area |
|---|
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Lot Area | 20,038 sqft (0.46 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Old Parcel Number | 22 00103- 02-00007 |
|---|---|
| Street Address | 22 RUSTIC RD |
| City | HIGHLAND LAKES |
| State | NJ |
| Zip | 07422-1030 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PLC |
| Legal Subdivision | BARRY LAKES SEC B |
| Legal Block | 92 |
| Legal Lot Number | 6 |
| Jurisdiction | SUSSEX NJ |
| Township / Civil Division | VERNON |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 371503 |
Source: Sussex County and Vernon Township records, as of July 6, 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 | 22 RUSTIC RD, HIGHLAND LAKES, NJ 07422-1030 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 14, 2026 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 16, 2023 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 15, 2004 · Amount on Record |
| Deed Sale | Mar 15, 2004 · Amount on Record |
| Deed Document Number | 20049860 |
| Deed Book / Page | 2803 / 133 |
| Prior Transfer Date | Mar 8, 2004 |
| Prior Transfer Doc | 0000009860 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUSSEX NJ |
| Property Address | 22 RUSTIC RD, HIGHLAND LAKES, NJ 07422-1030 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Title Company | UNKNOWN, TOWNSGATE CLOSING SERVICES |
| Name | Verified Name |
|---|---|
| Address | 22 RUSTIC RD, VERNON, NJ 07462 |
| Document Number | 0104301953 |
|---|---|
| Date | Jan 14, 2026 |
| Book Page | 10430/1953 |
| Instrument | 2026000823 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | Apr 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 6.12% |
| Index | 1-Year T-Bill |
| Max Rate | 5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUSSEX NJ |
| Property Address | 22 RUSTIC RD, HIGHLAND LAKES, NJ 07422-1030 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0102750897 |
|---|---|
| Date | Oct 16, 2023 |
| Book Page | 10275/897 |
| Instrument | 2023018387 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2053 |
Source: Sussex County and Vernon Township assessment roll, as of July 6, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Sussex County |
| County Subdivision | Vernon Township |
| Unified School District | Vernon Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $436,800 (-) Land $193,600 Building $243,200 | $436,800 (-) Land $193,600 Building $243,200 | |
| 2025 | $10,243.00 (+4.81%) | $436,800 (+21.3%) Land $193,600 Building $243,200 | $436,800 (+21.3%) Land $193,600 Building $243,200 |
| 2024 | $9,773.00 | ||
| 2023 | $360,100 Land $145,100 Building $215,000 | $360,100 Land $145,100 Building $215,000 | |
| 2022 | $9,773.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 2, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2007) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2007 · Severe Storms And Inland And Coastal Flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 209 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Planet Networks Fiber | 10,000 / 10,000 |
| Alteva of Warwick Fiber | 1,000 / 1,000 |
| Optimum Cable | 940 / 35 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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