3 Mathews St, Highlands, NJ 07732 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 3,264 sqft · built 2014
Lot Size	0.367 acres (16,000 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Jan 2003)
Tax Bill	$16,096 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`19-00109-0000-00009`

Property Details

APN / Parcel Number

Primary APN	`19-00109-0000-00009`
Alternative APNs	`190010900009` `00023120`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,264 sqft Living Area
1st Floor Area	1,632 sqft
Upper Floors Area	1,632 sqft
Basement Area	396 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Other
Lot Area	16,000 sqft (0.367 acres)
Lot Dimensions	200 ft deep x 80 ft wide
Porch	Open Porch
Patio Area	44 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	00023120
Street Address	3 MATHEWS ST
City	HIGHLANDS
State	NJ
Zip	07732-1010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MF08
Legal Description	BAYVIEW CONDOMINIUM UNIT 15 BLDG A NIT 1A
Legal Block	109
Legal Lot Number	9
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HIGHLANDS
Census Block Group	1
Census Block	1008
Census Tract	800101

Owner

3 Mathews St is owned by two individuals who bought it in January 2003.

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

Owner of Record	2 Individual Names on File
Mailing Address	1330 W ROMA AVE, PHOENIX, AZ 85013-2828
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2003 · Amount on File
Deed Sale	Jan 23, 2003 · Amount on File
Deed Book / Page	8183 / 8283
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	3 MATHEWS ST, HIGHLANDS, NJ 07732-1010
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0094841707
Date	Feb 23, 2021
Book Page	9484/1707
Instrument	2021027926

Lender

Name	AMERICAN INTERNET MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 3 Mathews St was $16,096, up 19.2% 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		$965,100 (+2.53%) Land $521,200 Building $443,900	$965,100 (+2.53%) Land $521,200 Building $443,900
2025	$16,096.00 (+19.17%)	$941,300 Land $496,500 Building $444,800	$941,300 Land $496,500 Building $444,800
2024	$13,507.00
2023		$654,500 Land $218,600 Building $435,900	$654,500 Land $218,600 Building $435,900
2022	$11,828.00

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

Flood

FEMA maps place 3 Mathews St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	12.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 131 individual policies
Nearby Flood Policies	418 units insured incl. 287 condo units
Nearby Flood Claims	76 (1991–2019)
Claims Outside the SFHA	3 of 76
Most Recent Claim	Mar 2019 · other causes
Claims by Event	Hurricane Sandy, Oct 2012 · 54 claims Hurricane Irene, Aug 2011 · 9 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 8 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 Mathews St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 92% of New Jersey
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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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