3 Clover Ln, Rumson, NJ 07760 Property Records

Monmouth County and Rumson Borough property record for 3 Clover Ln, Rumson, NJ 07760 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	7 bd · 4 ba · 6,181 sqft · built 1953
Lot Size	1.6 acres (69,696 sqft)
Owner	2 Individual Names on File
Last Sale	$1,825,000 (Oct 2018)
Tax Bill	$31,997 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`41-00097-0000-00048`

Property Details

APN / Parcel Number

Primary APN	`41-00097-0000-00048`
Alternative APNs	`410009700048` `175800`

Interior

Bedrooms	7 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	13 Rooms
Stories	1 Story
Building Area	6,181 sqft Living Area
1st Floor Area	6,181 sqft
Upper Floors Area	3,065 sqft
Basement Area	756 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	69,696 sqft
Garage Area	558 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Deck Area	55 sqft
Patio Area	1,055 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Connected

Location & Zoning

Account Number	175800
Street Address	3 CLOVER LN
City	RUMSON
State	NJ
Zip	07760-1805
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CAROLINE R BORDEN PROP
Legal Block	97
Legal Lot Number	48
Jurisdiction	MONMOUTH NJ
Township / Civil Division	RUMSON
Census Block Group	1
Census Block	1018
Census Tract	803900

Owner

Source: Monmouth County and Rumson Borough records · APN 41-00097-0000-00048

Assessment roll updated July 9, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	3 CLOVER LN, RUMSON, NJ 07760-1805
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2019	Deed of Trust, Mortgage CITIBANK
Oct 04, 2018	Grant Deed, Transfer CITIBANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 04, 2018 · Amount on Record
Deed Sale	Oct 04, 2018 · Amount on Record
Prior Sale	Apr 06, 2001 · Amount on Record
Deed Document Number	201897990
Deed Book / Page	9314 / 9245
Prior Transfer Date	Sep 27, 2005
Prior Transfer Doc	0085054937
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	3 CLOVER LN, RUMSON, NJ 07760-1805
Document Number	0000083389
Instrument Date	Aug 30, 2019
Transaction Type	Mortgage
Record Updated	Oct 01, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3 CLOVER LN RUMSON NJ 077601805, RUMSON, NJ 07760-1805

Mortgage

Document Number	0000083389
Date	Sep 09, 2019
Book Page	009367/005608
Instrument	83389

Lender

Name	CITIBANK
Type	Bank
Address	1000 TECHNOLOGY DR, O FALLON, MO 63368-2239

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 08, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.62%

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Oct 04, 2018
Property Address	3 CLOVER LN, RUMSON, NJ 07760-1805
Document Number	0000097990
Book / Page	009314 / 009245
Instrument Date	Sep 27, 2018
Instrument	97990
Transaction Type	Transfer
Record Updated	Oct 24, 2018
Title Company	TRIDENT ABSTRACT TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,825.00
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	3 CLOVER LN RUMSON NJ 077601805, RUMSON, NJ 07760-1805

Mortgage

Document Number	97991
Date	Oct 04, 2018
Book Page	009314/009251
Instrument	97991

Lender

Name	CITIBANK
Type	Bank
Address	1000 TECHNOLOGY DR, O FALLON, MO 63368-2239

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 03, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.37%

Tax Assessment & Valuation

Source: Monmouth County and Rumson Borough records · Assessment roll updated July 9, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
Municipality	Rumson Borough
Elementary School District	Rumson Borough School District (KG - 08)
Secondary School District	Rumson-Fair Haven Regional School District (09 - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$3,430,500 (+12.47%) Land $1,920,100 Building $1,510,400	$3,430,500 (+12.47%) Land $1,920,100 Building $1,510,400
2025	$31,997.00 (+2.02%)	$3,050,200 (+15.79%) Land $1,785,700 Building $1,264,500	$3,050,200 (+15.79%) Land $1,785,700 Building $1,264,500
2024	$31,364.00 (+3.97%)
2023		$2,634,200 Land $1,591,000 Building $1,043,200	$2,634,200 Land $1,591,000 Building $1,043,200
2022	$30,167.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monmouth County (34025C), updated September 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340258039001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 22 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	22 in force
Nearby Flood Claims	17 (1978–2012)
Claims Outside the SFHA	5 of 17
Most Recent Claim	Oct 2012, tidal / storm surge, Hurricane Sandy
Claims By Storm	Hurricane Sandy, Oct 2012 · 7 claims Hurricane Irene, Aug 2011 · 2 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 4 claims

Wildfire

Wildfire Risk	Low above 5% of the US · above 12% of New Jersey
Wildfire Likelihood	About 1 in 7,143 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 294 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fiber	2,300 / 2,300
Xfinity	Cable	2,000 / 250
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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