23 Center St, Rumson, NJ 07760 Property Records

Monmouth County and Rumson Borough property record for 23 Center St, Rumson, NJ 07760

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,216 sqft · built 2004
Lot Size	0.144 acres (6,277 sqft)
Owner	Individual Name on Record
Last Sale	$795,000 (Sep 2008)
Tax Bill	$12,682 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`41-00055-0000-00011`

Property Details

APN / Parcel Number

Primary APN	`41-00055-0000-00011`
Alternative APNs	`410005500011` `103600`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,216 sqft Living Area
1st Floor Area	2,216 sqft
Upper Floors Area	1,108 sqft
Basement Area	1,108 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Colonial
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Other
Lot Area	6,277 sqft (0.144 acres)
Lot Width	50 ft Width
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Patio Area	357 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	103600
Street Address	23 CENTER ST
City	RUMSON
State	NJ
Zip	07760-1749
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF05
Legal Block	55
Legal Lot Number	11
Jurisdiction	MONMOUTH NJ
Township / Civil Division	RUMSON
Census Block Group	3
Census Block	3013
Census Tract	803900

Owner

Source: Monmouth County and Rumson 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	23 CENTER ST, RUMSON, NJ 07760-1749
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2008 · Amount on Record
Deed Sale	Sep 3, 2008 · Amount on Record
Prior Sale	May 11, 2004 · Amount on Record
Deed Document Number	200895290
Deed Book / Page	8738 / 841
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	23 CENTER ST, RUMSON, NJ 07760-1749
Transaction Type	Mortgage
Record Updated	Dec 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 CENTER ST, RUMSON, NJ 07760-1749

Mortgage

Document Number	0096703882
Date	Dec 8, 2023
Book Page	9670/3882
Instrument	2023085347

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Nov 28, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Monmouth County and Rumson Borough assessment roll, as of July 9, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,345,200 (+11.27%) Land $817,700 Building $527,500	$1,345,200 (+11.27%) Land $817,700 Building $527,500
2025	$12,682.00 (+2.84%)	$1,209,000 (+13.73%) Land $760,100 Building $448,900	$1,209,000 (+13.73%) Land $760,100 Building $448,900
2024	$12,332.00 (-1.54%)
2023		$1,063,000 Land $674,900 Building $388,100	$1,063,000 Land $674,900 Building $388,100
2022	$12,525.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 66 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	75 units insured incl. 9 condo units
Nearby Flood Claims	165 (1978–2024)
Claims Outside the SFHA	30 of 165
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Sandy, Nov 2012 · 66 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 42 claims Coastal Storms & Flooding, Apr 1984 · 11 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	Low lower than 99.1% of the US · lower than 97.3% 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.

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

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20