23 Prospect St, Highlands, NJ 07732 Property Records

Monmouth County and Highlands Borough property record for 23 Prospect St, Highlands, NJ 07732

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,204 sqft · built 2005
Lot Size	0.184 acres (8,024 sqft)
Owner	Individual Name on File
Last Sale	$35,000 (Aug 2019)
Tax Bill	$12,774 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-00028-0000-00015-04`

Property Details

APN / Parcel Number

Primary APN	`19-00028-0000-00015-04`
Alternative APNs	`19000280000000150004` `00006540`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,204 sqft Living Area
1st Floor Area	1,116 sqft
Upper Floors Area	1,088 sqft
Basement Area	1,088 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Other
Lot Area	8,024 sqft (0.184 acres)
Lot Dimensions	107 ft deep x 75 ft wide
Terrain	High
Garage Type	Attached
Garage Area	231 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Deck Area	56 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00006540
Street Address	23 PROSPECT ST
City	HIGHLANDS
State	NJ
Zip	07732-1823
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	BOROUGH/HIGHLANDS
Legal Block	28
Legal Lot Number	15.4
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HIGHLANDS
Census Block Group	1
Census Block	1008
Census Tract	800102

Owner

23 Prospect St is owned and occupied by an individual who bought it in August 2019.

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

Owner of Record	Individual Name on File
Mailing Address	23 PROSPECT ST, HIGHLANDS, NJ 07732-1823
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
Feb 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage RESIDENTIAL HOME MORTGAGE CORP
Apr 6, 2020	Deed of Trust, Mortgage RESIDENTIAL HM MTG
Aug 23, 2019	Grant Deed, Mortgage RESIDENTIAL HM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2019 · Amount on File
Deed Sale	Aug 23, 2019 · Amount on File
Prior Sale	Jan 16, 2007 · Amount on File
Deed Document Number	201977454
Deed Book / Page	9364 / 8237
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	23 PROSPECT ST, HIGHLANDS, NJ 07732-1823
Transaction Type	Mortgage
Record Updated	Aug 18, 2022
Title Company	MEGA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0094843994
Date	Feb 24, 2021
Book Page	9484/3994
Instrument	2021028372

Lender

Name	RESIDENTIAL HOME MORTGAGE CORP
Type	Mortgage Company
Address	HAMPTON, NJ 08827

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	23 PROSPECT ST, HIGHLANDS, NJ 07732-1823
Document Number	0000040911
Instrument Date	Apr 6, 2020
Transaction Type	Mortgage
Record Updated	Jul 9, 2020
Title Company	TECHNO TITLE AND ABSTRACT AGENCY LLC, TECHNO TITLE & ABS AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 PROSPECT ST HIGHLANDS NJ 077321823, HIGHLANDS, NJ 07732-1823

Mortgage

Document Number	0000040911
Date	Apr 20, 2020
Book Page	009408/004916
Instrument	40911

Lender

Name	RESIDENTIAL HM MTG
Type	Mortgage Company
Address	HAMPTON, NJ 08827

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 19, 2050

August 2019: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Aug 23, 2019
Property Address	23 PROSPECT ST, HIGHLANDS, NJ 07732-1823
Document Number	0000077454
Book / Page	009364 / 008237
Instrument Date	Aug 2, 2019
Instrument	77454
Transaction Type	Mortgage
Record Updated	Sep 12, 2019
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Amount	Amount on Record
Tax	$35.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 PROSPECT ST HIGHLANDS NJ 077321823, HIGHLANDS, NJ 07732-1823

Mortgage

Document Number	77455
Date	Aug 23, 2019
Book Page	009364/008244
Instrument	77455

Lender

Name	RESIDENTIAL HM MTG
Type	Mortgage Company
Address	HAMPTON, NJ 08827

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 23 Prospect St was $12,774, up 9% 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		$845,800 (+13.23%) Land $487,000 Building $358,800	$845,800 (+13.23%) Land $487,000 Building $358,800
2025	$12,774.00 (+8.98%)	$747,000 Land $387,000 Building $360,000	$747,000 Land $387,000 Building $360,000
2024	$11,721.00
2023		$580,700 Land $288,200 Building $292,500	$580,700 Land $288,200 Building $292,500
2022	$10,517.00

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

Flood

FEMA maps place 23 Prospect St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1992.

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 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	5 (1992–2012)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Hurricane Sandy, Oct 2012 · 4 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

Wildfire risk around 23 Prospect St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 81% of New Jersey
Wildfire Likelihood	0.02% 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 423 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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