Monmouth County and Highlands Borough property record for 3 Prospect St, Highlands, NJ 07732
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 988 sqft · built 1971 |
| Lot Size | 0.534 acres (23,257 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $735,000 (Jan 2025) |
| Tax Bill | $9,904 (2025) |
| Deeds & Mortgages | Dec 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-00028-0000-00002 |
| Primary APN | 19-00028-0000-00002 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 988 sqft Living Area |
| 1st Floor Area | 988 sqft |
| Basement Area | 988 sqft |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 23,257 sqft (0.534 acres) |
| Lot Dimensions | 204 ft deep x 114 ft wide |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 824 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Sewer | Connected |
| Account Number | 00006410 |
|---|---|
| Street Address | 3 PROSPECT ST |
| City | HIGHLANDS |
| State | NJ |
| Zip | 07732-1823 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF05 |
| Legal Block | 28 |
| Legal Lot Number | 2 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | HIGHLANDS |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 800102 |
Source: Monmouth County and Highlands 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 | Individual Name on Record |
|---|---|
| Mailing Address | 3 PROSPECT ST, HIGHLANDS, NJ 07732-1823 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 15, 2025 · Amount on Record |
| Deed Sale | Jan 15, 2025 · Amount on Record |
| Deed Document Number | 20253970 |
| Deed Book / Page | 9721 / 5199 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 3 PROSPECT ST, HIGHLANDS, NJ 07732-1823 |
| Document Number | 0000122897 |
| Instrument Date | Dec 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2020 |
| Title Company | TRIDENT ABSTRACT TITLE AGENCY LLC, TRIDENT ABS TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Address | 15 MOUNTAIN ST HIGHLANDS NJ 077321845, HIGHLANDS, NJ 07732-1845 |
| Document Number | 0000122897 |
|---|---|
| Date | Dec 23, 2019 |
| Book Page | 009387/000713 |
| Instrument | 122897 |
| Name | AMBOY BK |
|---|---|
| Type | Bank |
| Address | 3590 US HIGHWAY 9, OLD BRIDGE, NJ 08857-2765 |
| Amount | Amount Recorded |
|---|
| Rate | 5% |
|---|
Source: Monmouth County and Highlands Borough assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| Municipality | Highlands Borough |
| Unified School District | Henry Hudson Regional School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $733,600 (+26.66%) Land $508,400 Building $225,200 | $733,600 (+26.66%) Land $508,400 Building $225,200 | |
| 2025 | $9,904.00 (-5.55%) | $579,200 (+9.78%) Land $408,400 Building $170,800 | $579,200 (+9.78%) Land $408,400 Building $170,800 |
| 2024 | $10,486.00 (+15.64%) | ||
| 2023 | $527,600 Land $374,100 Building $153,500 | $527,600 Land $374,100 Building $153,500 | |
| 2022 | $9,068.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 |
|
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.
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.
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 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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