3 Chestnut St, Highlands, NJ 07732 Property Records

Monmouth County and Highlands Borough property record for 3 Chestnut St, Highlands, NJ 07732

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,806 sqft · built 1963
Lot Size	0.144 acres (6,251 sqft)
Owner	Individual Name on File
Tax Bill	$9,776 (2025)
Deeds & Mortgages	Jul 2022 Reverse Mortgage Mar 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-00017-0000-00008`

Property Details

APN / Parcel Number

Primary APN	`19-00017-0000-00008`
Alternative APNs	`190001700008` `00004940`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,806 sqft Living Area
1st Floor Area	1,206 sqft
Upper Floors Area	600 sqft
Basement Area	1,206 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Traditional
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	6,251 sqft (0.144 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Open Porch

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	00004940
Street Address	3 CHESTNUT ST
City	HIGHLANDS
State	NJ
Zip	07732-1805
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF05
Legal Block	17
Legal Lot Number	8
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HIGHLANDS
Census Block Group	1
Census Block	1012
Census Tract	800102

Owner

3 Chestnut St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	3 CHESTNUT ST, HIGHLANDS, NJ 07732-1805
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
Jul 6, 2022	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Mar 25, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS
Mar 25, 2019	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	3 CHESTNUT ST, HIGHLANDS, NJ 07732-1805
Transaction Type	Mortgage
Record Updated	Jul 27, 2022
Title Company	FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 CHESTNUT ST, HIGHLANDS, NJ 07732-1805

Mortgage

Document Number	0096037899
Date	Jul 6, 2022
Book Page	9603/7899
Instrument	2022069986

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	860 Months
Due	Mar 21, 2094

Interest

Rate Type	Adjustable Rate
Rate	4.76%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	9.76%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	3 CHESTNUT ST, HIGHLANDS, NJ 07732-1805
Document Number	0000028843
Instrument Date	Mar 25, 2019
Transaction Type	Mortgage
Record Updated	Apr 17, 2019
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 CHESTNUT ST HIGHLANDS NJ 077321805, HIGHLANDS, NJ 07732-1805

Mortgage

Document Number	0000028843
Date	Apr 3, 2019
Book Page	009342/000171
Instrument	28843

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	900 Months
Due	Apr 2, 2094

Interest

Rate Type	Adjustable Rate
Rate	5.27%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	3 CHESTNUT ST, HIGHLANDS, NJ 07732-1805
Document Number	0000028844
Instrument Date	Mar 25, 2019
Transaction Type	Mortgage
Record Updated	Sep 30, 2019
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 CHESTNUT ST HIGHLANDS NJ 077321805, HIGHLANDS, NJ 07732-1805

Mortgage

Document Number	0000028844
Date	Apr 3, 2019
Book Page	009342/000189
Instrument	28844

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	900 Months
Due	Apr 2, 2094

Interest

Rate Type	Adjustable Rate
Rate	5.27%

Tax Assessment & Valuation

The 2025 property tax bill for 3 Chestnut St was $9,776, up 1.7% 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		$645,000 (+12.82%) Land $442,800 Building $202,200	$645,000 (+12.82%) Land $442,800 Building $202,200
2025	$9,776.00 (+1.71%)	$571,700 Land $371,300 Building $200,400	$571,700 Land $371,300 Building $200,400
2024	$9,612.00
2023		$497,600 Land $288,800 Building $208,800	$497,600 Land $288,800 Building $208,800
2022	$8,129.00

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

Flood

FEMA maps place 3 Chestnut 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 3 Chestnut St is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · above 57% of New Jersey
Wildfire Likelihood	0.06% 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 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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