22 Valley St, Highlands, NJ 07732 Property Records

Monmouth County and Highlands Borough property record for 22 Valley St, Highlands, NJ 07732

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,590 sqft · built 1912
Lot Size	0.057 acres (2,500 sqft)
Owner	Individual Name on File
Last Sale	$287,350 (Oct 2007)
Tax Bill	$10,253 (2025)
Deeds & Mortgages	Jul 2023 Mortgage May 2020 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`19-00065-0000-00004`

Property Details

APN / Parcel Number

Primary APN	`19-00065-0000-00004`
Alternative APNs	`190006500004` `00012090`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,590 sqft Living Area
1st Floor Area	784 sqft
Upper Floors Area	504 sqft
Basement Area	784 sqft

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Architectural Style	Traditional
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Other
Lot Area	2,500 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 25 ft wide
Porch	Enclosed Porch
Deck Area	216 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	00012090
Street Address	22 VALLEY ST
City	HIGHLANDS
State	NJ
Zip	07732-1649
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF0
Legal Subdivision	HIGHLANDS/NAVESINK
Legal Block	65
Legal Lot Number	4
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HIGHLANDS
Census Block Group	2
Census Block	2021
Census Tract	800101

Owner

22 Valley St is owned and occupied by an individual who bought it in October 2007.

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

Owner of Record	Individual Name on File
Mailing Address	22 VALLEY ST, HIGHLANDS, NJ 07732-1649
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

Date	Document
Jul 5, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
May 2, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
May 2, 2020	Loan Modification, Mortgage · FHA Mortgage QUICKEN LNS
Aug 13, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Jun 27, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2007 · Amount on File
Deed Sale	Oct 25, 2007 · Amount on File
Prior Sale	Dec 9, 2002 · Amount on File
Deed Document Number	2007140675
Deed Book / Page	8685 / 1061
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	22 VALLEY ST, HIGHLANDS, NJ 07732-1649
Transaction Type	Mortgage
Record Updated	Jul 31, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 VALLEY ST, HIGHLANDS, NJ 07732-1649

Mortgage

Document Number	0096506504
Date	Jul 5, 2023
Book Page	9650/6504
Instrument	2023045327

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Jul 1, 2063

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	22 VALLEY ST, HIGHLANDS, NJ 07732-1649
Document Number	0000051312
Instrument Date	May 2, 2020
Transaction Type	Mortgage
Record Updated	Jul 17, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 VALLEY ST HIGHLANDS NJ 077321649, HIGHLANDS, NJ 07732-1649

Mortgage

Document Number	0000051312
Date	May 15, 2020
Book Page	009414/001841
Instrument	51312

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 14, 2050

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONMOUTH NJ
Property Address	22 VALLEY ST, HIGHLANDS, NJ 07732-1649
Document Number	0000051311
Instrument Date	May 2, 2020
Transaction Type	Mortgage
Record Updated	Jul 17, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 VALLEY ST HIGHLANDS NJ 077321649, HIGHLANDS, NJ 07732-1649

Mortgage

Document Number	0000051311
Date	May 15, 2020
Book Page	009414/001809
Instrument	51311

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 14, 2050

Interest

Rate	3.25%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	22 VALLEY ST, HIGHLANDS, NJ 07732-1649
Document Number	0000083994
Instrument Date	Aug 13, 2018
Transaction Type	Mortgage
Record Updated	Jul 17, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 VALLEY ST HIGHLANDS NJ 077321649, HIGHLANDS, NJ 07732-1649

Mortgage

Document Number	0000083994
Date	Aug 22, 2018
Book Page	009307/005457
Instrument	83994

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 21, 2048

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	22 VALLEY ST, HIGHLANDS, NJ 07732-1649
Document Number	0000067119
Book / Page	009235 / 008056
Instrument Date	Jun 27, 2017
Transaction Type	Mortgage
Record Updated	Aug 4, 2017
Title Company	TITLE SOURCES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 VALLEY ST HIGHLANDS NJ 077321649, HIGHLANDS, NJ 07732-1649

Mortgage

Document Number	0000067119
Date	Jul 14, 2017
Book Page	009235/008056
Instrument	67119

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 13, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 22 Valley St was $10,253, up 23.3% from the year before.

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		$707,500 (+18%) Land $326,200 Building $381,300	$707,500 (+18%) Land $326,200 Building $381,300
2025	$10,253.00 (+23.32%)	$599,600 Land $221,700 Building $377,900	$599,600 Land $221,700 Building $377,900
2024	$8,314.00
2023		$395,700 Land $116,200 Building $279,500	$395,700 Land $116,200 Building $279,500
2022	$7,641.00

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

Flood

FEMA maps place 22 Valley St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 271 individual policies
Nearby Flood Policies	315 units insured incl. 44 condo units
Nearby Flood Claims	183 (1992–2023)
Most Recent Claim	Sep 2023 · rainfall accumulation
Claims by Event	Hurricane Sandy, Nov 2012 · 121 claims Hurricane Irene, Aug 2011 · 37 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 10 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

The area around 22 Valley St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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