251 Bay Ave, Highlands, NJ 07732 Property Records

Monmouth County and Highlands Borough property record for 251 Bay Ave, Highlands, NJ 07732

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 992 sqft · built 1913
Lot Size	0.068 acres (2,940 sqft)
Owner	Individual Name on Record
Last Sale	$571,000 (May 2026)
Tax Bill	$7,329 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Sale & Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`19-00071-0000-00006`

Property Details

APN / Parcel Number

Primary APN	`19-00071-0000-00006`
Alternative APNs	`190007100006` `00013500`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	992 sqft Living Area
1st Floor Area	640 sqft
Upper Floors Area	352 sqft

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Other
Lot Area	2,940 sqft (0.068 acres)
Lot Dimensions	98 ft deep x 30 ft wide
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	00013500
Street Address	251 BAY AVE
City	HIGHLANDS
State	NJ
Zip	07732-1505
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MF08
Legal Subdivision	MEAD & CO TR
Legal Block	71
Legal Lot Number	6
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HIGHLANDS
Census Block Group	2
Census Block	2015
Census Tract	800101

Owner

Source: Monmouth County and Highlands 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	251 BAY AVE, HIGHLANDS, NJ 07732-1505
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
May 4, 2026	Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Nov 16, 2020	Grant Deed, Transfer · Conventional with PMI FINANCE OF AMERICA MTG
Oct 2, 2020	Deed of Trust, Mortgage FINANCE OF AMERICA MTG
Jun 13, 2017	Grant Deed, Transfer WFG NATIONAL TITLE INSURANCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2026 · Amount on Record
Deed Sale	May 4, 2026 · Amount on Record
Prior Sale	Jul 10, 2024 · Amount on Record
Deed Document Number	202636292
Deed Book / Page	9791 / 7022
Prior Transfer Date	Apr 21, 2005
Prior Transfer Doc	0084620473
Record Updated	Oct 29, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONMOUTH NJ
Recording Date	May 4, 2026
Property Address	251 BAY AVE, HIGHLANDS, NJ 07732-1505
Document Number	0000036292
Book / Page	9791 / 7022
Instrument Date	Apr 21, 2026
Instrument	2026.36292
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	LAND SERVICES USA INC, LAND SERVICES USA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$57,671.00
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	251 BAY AVE, HIGHLANDS, NJ 07732-1505

Mortgage

Document Number	0000036293,
Date	May 4, 2026
Instrument	2026..36293

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONMOUTH NJ
Recording Date	May 4, 2026
Property Address	251 BAY AVE, HIGHLANDS, NJ 07732-1505
Document Number	0097917022
Book / Page	9791 / 7022
Instrument Date	Apr 21, 2026
Instrument	202636292
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	LAND SERVICES USA INC, LAND SERVICES USA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$57,671.00
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	251 BAY AVE, HIGHLANDS, NJ 07732-1505

Mortgage

Document Number	0000036293,
Date	May 4, 2026
Instrument	202636293

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

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

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Nov 16, 2020
Property Address	251 BAY AVE, HIGHLANDS, NJ 07732-1505
Document Number	0000136251
Book / Page	009457 / 008454
Instrument Date	Oct 2, 2020
Instrument	136251
Transaction Type	Transfer
Record Updated	Dec 22, 2020
Title Company	FOUNDATION TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$335.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	251 BAY AVE HIGHLANDS NJ 077321505, HIGHLANDS, NJ 07732-1505

Mortgage

Document Number	136252
Date	Nov 16, 2020
Book Page	009457/008460
Instrument	136252

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2050

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	251 BAY AVE, HIGHLANDS, NJ 07732-1505
Document Number	0000136252
Instrument Date	Oct 2, 2020
Transaction Type	Mortgage
Record Updated	Dec 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	251 BAY AVE HIGHLANDS NJ 077321505, HIGHLANDS, NJ 07732-1505

Mortgage

Document Number	0000136252
Date	Nov 16, 2020
Book Page	009457/008460
Instrument	136252

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2050

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Jun 13, 2017
Property Address	251 BAY AVE, HIGHLANDS, NJ 07732-1505
Document Number	0000056489
Book / Page	009230 / 009470
Instrument Date	May 5, 2017
Instrument	56489
Transaction Type	Transfer
Record Updated	Jul 6, 2017
Title Company	WFG NATIONAL TITLE INSURANCE

Transaction

Amount	Amount Recorded
Tax	$50.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	251 BAY AVE HIGHLANDS NJ 077321505, HIGHLANDS, NJ 07732-1505

Tax Assessment & Valuation

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		$535,000 (+24.83%) Land $327,400 Building $207,600	$535,000 (+24.83%) Land $327,400 Building $207,600
2025	$7,329.00 (+46.2%)	$428,600 (+83.01%) Land $222,900 Building $205,700	$428,600 (+83.01%) Land $222,900 Building $205,700
2024	$5,013.00 (+14.53%)
2023		$234,200 Land $105,500 Building $128,700	$234,200 Land $105,500 Building $128,700
2022	$4,377.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 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 Record 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

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 540 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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