Monmouth County and Rumson Borough property record for 3 Elm Ln, Rumson, NJ 07760
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 6,588 sqft · built 2022 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $3,595,000 (Oct 2022) |
| Tax Bill | $45,026 (2025) |
| Deeds & Mortgages | Oct 2022 Sale Apr 2021 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-00087-0000-00021 |
| Primary APN | 41-00087-0000-00021 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 6,588 sqft Living Area |
| 1st Floor Area | 6,588 sqft |
| Basement Area | 756 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 65,340 sqft |
| Garage Type | Basement |
| Garage Area | 594 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 800 sqft |
| Patio Area | 340 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Sewer | Connected |
| Account Number | 156000 |
|---|---|
| Street Address | 3 ELM LN |
| City | RUMSON |
| State | NJ |
| Zip | 07760-1001 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF80 |
| Legal Block | 87 |
| Legal Lot Number | 21 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | RUMSON |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 803800 |
3 Elm Ln is owned and occupied by two individuals who bought it in October 2022.
Source: Monmouth County and Rumson Borough records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3 ELM LN, RUMSON, NJ 07760-1001 |
| 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.
| Date | Document |
|---|---|
| Oct 13, 2022 | Bargain and Sale Deed, Transfer TITLE LINK LLC |
| Apr 20, 2021 | Deed, Construction Loan · Construction Mortgage 1ST CONSTITUTION BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 13, 2022 · Amount on File |
| Deed Sale | Oct 13, 2022 · Amount on File |
| Prior Sale | Apr 20, 2021 · Amount on File |
| Deed Document Number | 2022102584 |
| Deed Book / Page | 9619 / 5929 |
| Prior Transfer Date | Jul 3, 2013 |
| Prior Transfer Doc | 0000102584 |
| Record Updated | Oct 29, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Oct 13, 2022 |
| Property Address | 3 ELM LN, RUMSON, NJ 07760-1001 |
| Document Number | 0096195929 |
| Book / Page | 9619 / 5929 |
| Instrument Date | Sep 9, 2022 |
| Instrument | 2022102584 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2024 |
| Title Company | TITLE LINK LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $76,924.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 137 GRANGE AVE, FAIR HAVEN, NJ 07704-3039 |
| Name | Verified Name |
|---|---|
| Address | 3 ELM LN, RUMSON, NJ 07760-1001 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Apr 20, 2021 |
| Property Address | 3 ELM LN, RUMSON, NJ 07760-1001 |
| Document Number | 0095029527 |
| Book / Page | 9502 / 9527 |
| Instrument Date | Apr 9, 2021 |
| Instrument | 2021063467 |
| Transaction Type | Construction Loan |
| Record Updated | Apr 12, 2024 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $27,862.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 524 PROSPECT AVE, LITTLE SILVER, NJ 07739-1446 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 6373, FAIR HAVEN, NJ 07704-6373 |
| Investor | Possibly a Property Investor |
| Document Number | 2021063468 |
|---|---|
| Date | Apr 20, 2021 |
| Instrument | 2021063468 |
| Name | 1ST CONSTITUTION BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 3 Elm Ln was $45,026, up 2.8% from the year before.
Source: Monmouth County and Rumson Borough assessment roll, as of July 9, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,867,800 (+13.41%) Land $1,894,100 Building $2,973,700 | $4,867,800 (+13.41%) Land $1,894,100 Building $2,973,700 | |
| 2025 | $45,026.00 (+2.83%) | $4,292,300 Land $1,761,500 Building $2,530,800 | $4,292,300 Land $1,761,500 Building $2,530,800 |
| 2024 | $43,785.00 | ||
| 2023 | $3,662,900 Land $1,575,000 Building $2,087,900 | $3,662,900 Land $1,575,000 Building $2,087,900 | |
| 2022 | $46,267.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Elm Ln in Zone X, an area of minimal flood risk, though there have been 3 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 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 3 (1992–2012) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
| Claims by Event |
|
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 risk around 3 Elm Ln 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 64% of the US · above 56% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 65 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 1,200 / 35 |
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