3 Orchard Ln, Rumson, NJ 07760 Property Records

Monmouth County and Rumson Borough property record for 3 Orchard Ln, Rumson, NJ 07760

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 6,090 sqft · built 2015
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on File
Last Sale	$3,600,000 (Mar 2021)
Tax Bill	$52,040 (2025)
Deeds & Mortgages	Nov 2021 Mortgage May 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-00016-0000-00004`

Property Details

APN / Parcel Number

Primary APN	`41-00016-0000-00004`
Alternative APNs	`410001600004` `018000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	6,090 sqft Living Area
1st Floor Area	6,090 sqft
Upper Floors Area	3,284 sqft
Attic	Attic
Attic Area	1,113 sqft
Basement Area	2,806 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Colonial
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	65,340 sqft
Garage Type	Built-in
Garage Area	783 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	720 sqft
Porch	Open Porch
Patio Area	1,366 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	018000
Street Address	3 ORCHARD LN
City	RUMSON
State	NJ
Zip	07760-1115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF80
Legal Subdivision	ORCHARD HILL AZOY PROPERTIES
Legal Block	16
Legal Lot Number	4
Jurisdiction	MONMOUTH NJ
Township / Civil Division	RUMSON
Census Block Group	1
Census Block	1009
Census Tract	803800

Owner

3 Orchard Ln is owned and occupied by two individuals who bought it in March 2021.

Source: Monmouth County and Rumson 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	3 ORCHARD LN, RUMSON, NJ 07760-1115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 7, 2018	Grant Deed, Transfer BANK OF AMERICA/IL
May 15, 2017	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2021 · Amount on File
Deed Sale	Mar 29, 2021 · Amount on File
Prior Sale	May 7, 2018 · Amount on File
Deed Document Number	202150337
Deed Book / Page	9495 / 8860
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	3 ORCHARD LN, RUMSON, NJ 07760-1115
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0095601662
Date	Nov 23, 2021
Book Page	9560/1662
Instrument	2021169669

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	353 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2%
Type Change Date	Apr 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4%
Index	Other
Max Rate	7%

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	May 7, 2018
Property Address	3 ORCHARD LN, RUMSON, NJ 07760-1115
Document Number	0000044686
Book / Page	009285 / 009866
Instrument Date	Apr 25, 2018
Instrument	44686
Transaction Type	Transfer
Record Updated	May 28, 2018
Title Company	TRIDENT ABSTRACT TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,450.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3 ORCHARD LN RUMSON NJ 077601115, RUMSON, NJ 07760-1115

Mortgage

Document Number	44687
Date	May 7, 2018
Book Page	009285/009874
Instrument	44687

Lender

Name	BANK OF AMERICA/IL
Type	Bank
Address	101 S TRYON ST, CHARLOTTE, NC 28280-0002

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 6, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.62%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	3 ORCHARD LN, RUMSON, NJ 07760-1115
Document Number	0000051383
Book / Page	009228 / 005886
Instrument Date	May 15, 2017
Transaction Type	Mortgage
Record Updated	Jun 19, 2017
Title Company	TITLE SOURCES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3 ORCHARD LN RUMSON NJ 077601115, RUMSON, NJ 07760-1115

Mortgage

Document Number	0000051383
Date	May 25, 2017
Book Page	009228/005886
Instrument	51383

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 24, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.1%

Tax Assessment & Valuation

The 2025 property tax bill for 3 Orchard Ln was $52,040, up 3.1% from the year before.

Source: Monmouth County and Rumson Borough assessment roll, as of July 9, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$5,653,400 (+13.96%) Land $1,894,100 Building $3,759,300	$5,653,400 (+13.96%) Land $1,894,100 Building $3,759,300
2025	$52,040.00 (+3.09%)	$4,960,900 Land $1,761,500 Building $3,199,400	$4,960,900 Land $1,761,500 Building $3,199,400
2024	$50,479.00
2023		$4,214,500 Land $1,575,000 Building $2,639,500	$4,214,500 Land $1,575,000 Building $2,639,500
2022	$49,285.00

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

Flood

FEMA maps place 3 Orchard Ln in Zone X, an area of minimal flood risk, though there have been 6 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
Nearby Flood Policies	9 in force
Nearby Flood Claims	6 (1992–2013)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Sep 2013 · other causes

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 Orchard Ln is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 83% of New Jersey
Wildfire Likelihood	0.02% 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 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Orchard Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures