24 Ralph St, Highlands, NJ 07732 Property Records

Monmouth County and Highlands Borough property record for 24 Ralph St, Highlands, NJ 07732

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,080 sqft · built 1957
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$950,000 (Aug 2026)
Tax Bill	$12,348 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-00113-0000-00006-02`

Property Details

APN / Parcel Number

Primary APN	`19-00113-0000-00006-02`
Alternative APN	`00023760`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,080 sqft Living Area
1st Floor Area	973 sqft
Basement Area	973 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Other
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Detached
Porch	Slab
Deck Area	Deck Area

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	00023760
Street Address	24 RALPH ST
City	HIGHLANDS
State	NJ
Zip	07732-1311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R203
Legal Subdivision	BOROUGH/HIGHLANDS
Legal Block	113
Legal Lot Number	6.2
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HIGHLANDS
Census Block Group	1
Census Block	1007
Census Tract	800101

Owner

24 Ralph St is owned and occupied by two individuals who bought it in August 2026.

Source: Monmouth County and Highlands Borough records, as of October 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	24 RALPH ST, HIGHLANDS, NJ 07732-1311
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Aug 13, 2026	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Jun 30, 2023	Bargain and Sale Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2026 · Amount on File
Deed Sale	Aug 13, 2026 · Amount on File
Prior Sale	Jun 30, 2023 · Amount on File
Deed Document Number	202667203
Deed Book / Page	9808 / 720
Prior Transfer Date	Jun 30, 2017
Prior Transfer Doc	0092433559
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Aug 13, 2026
Property Address	24 RALPH ST, HIGHLANDS, NJ 07732-1311
Document Number	0000067203
Book / Page	9808 / 720
Instrument Date	Aug 11, 2026
Instrument	202667203
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	LAND TRANSFER, CAMBRIDGE LAND TRANSFER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$95,950.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 RALPH ST, HIGHLANDS, NJ 07732-1311

Mortgage

Document Number	0000067204,
Date	Aug 13, 2026
Instrument	202667204

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Jun 30, 2023
Property Address	24 RALPH ST, HIGHLANDS, NJ 07732-1311
Document Number	0096503247
Book / Page	9650 / 3247
Instrument Date	Jun 21, 2023
Instrument	2023044706
Transaction Type	Transfer
Record Updated	Jul 24, 2023
Title Company	FOUNDATION TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,245.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	149 BOWNE RD, OCEAN, NJ 07712-3756

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 RALPH ST, HIGHLANDS, NJ 07732-1311

Mortgage

Document Number	0096503265
Date	Jun 30, 2023
Book Page	9650/3265
Instrument	2023044707

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 24 Ralph St was $12,348, up 1.2% 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		$764,900 (+5.93%) Land $371,500 Building $393,400	$764,900 (+5.93%) Land $371,500 Building $393,400
2025	$12,348.00 (+1.19%)	$722,100 Land $299,200 Building $422,900	$722,100 Land $299,200 Building $422,900
2024	$12,203.00
2023		$587,700 (+18.39%) Land $214,500 Building $373,200	$587,700 (+18.39%) Land $214,500 Building $373,200
2022	$10,687.00 (-1.02%)	$496,400 Land $143,000 Building $353,400	$496,400 Land $143,000 Building $353,400
2021	$10,797.00

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

Flood

FEMA maps place 24 Ralph St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 24 Ralph St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · above 52% of New Jersey
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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

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

May also be available: T-Mobile, Verizon.

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