28 Cedar St, Highlands, NJ 07732 Property Records

Monmouth County and Highlands Borough property record for 28 Cedar St, Highlands, NJ 07732

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,200 sqft · built 1949
Lot Size	0.138 acres (6,029 sqft)
Owner	2 Individual Names on File
Last Sale	$305,000 (Jul 2018)
Tax Bill	$7,594 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Jan 2021 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`19-00069-0000-00018-01`

Property Details

APN / Parcel Number

Primary APN	`19-00069-0000-00018-01`
Alternative APNs	`19000690000000180001` `00013270`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft
Basement Area	1,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Other
Lot Area	6,029 sqft (0.138 acres)
Lot Dimensions	90 ft deep x 67 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Open Porch

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	00013270
Street Address	28 CEDAR ST
City	HIGHLANDS
State	NJ
Zip	07732-1512
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C125
Legal Subdivision	BOROUGH/HIGHLANDS
Legal Block	69
Legal Lot Number	18.1
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HIGHLANDS
Census Block Group	2
Census Block	2002
Census Tract	800101

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	28 CEDAR ST, HIGHLANDS, NJ 07732-1512
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2022	Deed of Trust, Mortgage · Line of Credit AFFINITY FCU
Jan 25, 2021	Quit Claim Deed, Transfer ALL AHEAD TITLE AGENCY LLC, ALL AHEAD TITLE AGCY LLC
Jul 25, 2018	Grant Deed, Transfer · FHA Mortgage PRIMARY RESID'L MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2018 · Amount on File
Deed Sale	Jul 25, 2018 · Amount on File
Prior Sale	Jun 20, 2002 · Amount on File
Deed Document Number	201873466
Deed Book / Page	9302 / 5601
Last Transfer Date	Feb 18, 2020
Transfer Doc	0000012665
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	28 CEDAR ST, HIGHLANDS, NJ 07732-1512
Transaction Type	Mortgage
Record Updated	Nov 18, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0096033102
Date	Jul 1, 2022
Book Page	9603/3102
Instrument	2022069035

Lender

Name	AFFINITY FCU
Type	Credit Union
Address	BASKING RIDGE, NJ 07920

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jun 15, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Jan 25, 2021
Property Address	28 CEDAR ST, HIGHLANDS, NJ 07732-1512
Document Number	0000012665
Book / Page	009475 / 009363
Instrument Date	Feb 18, 2020
Instrument	12665
Transaction Type	Transfer
Record Updated	Apr 1, 2021
Title Company	ALL AHEAD TITLE AGENCY LLC, ALL AHEAD TITLE AGCY LLC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	28 CEDAR ST HIGHLANDS NJ 077321512, HIGHLANDS, NJ 07732-1512

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Jul 25, 2018
Property Address	28 CEDAR ST, HIGHLANDS, NJ 07732-1512
Document Number	0000073466
Book / Page	009302 / 005601
Instrument Date	Jul 2, 2018
Instrument	73466
Transaction Type	Transfer
Record Updated	Nov 29, 2019
Title Company	BROAD STREET TITLE AGENCY LLC, BROAD STREET TITLE AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$305.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	28 CEDAR ST HIGHLANDS NJ 077321512, HIGHLANDS, NJ 07732-1512

Mortgage

Document Number	73467
Date	Jul 25, 2018
Book Page	009302/005622
Instrument	73467

Lender

Name	PRIMARY RESID'L MTG
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84116

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 24, 2048

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		$550,600 (+23.98%) Land $336,900 Building $213,700	$550,600 (+23.98%) Land $336,900 Building $213,700
2025	$7,594.00 (+3.59%)	$444,100 (+27.98%) Land $232,400 Building $211,700	$444,100 (+27.98%) Land $232,400 Building $211,700
2024	$7,331.00 (+10.21%)
2023		$347,000 Land $126,400 Building $220,600	$347,000 Land $126,400 Building $220,600
2022	$6,652.00

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 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

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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