3 Ralph St, Highlands, NJ 07732 Property Records

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

Property Summary

Property Type	Condominium
Details	2 bd · 3 ba · 1,422 sqft · built 1982
Lot Size	0.019 acres (806 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (Jun 2015)
Tax Bill	$9,265 (2025)
Deeds & Mortgages	May 2024 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-00110-0000-00019-23`

Property Details

APN / Parcel Number

Primary APN	`19-00110-0000-00019-23`
Alternative APNs	`190011000000001902-3` `00023330`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,422 sqft Living Area
1st Floor Area	708 sqft
Basement Area	700 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Condo/Apartment
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	806 sqft (0.019 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	00023330
Street Address	3 RALPH ST-SEA CRST
City	HIGHLANDS
State	NJ
Zip	07732
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Subdivision	SEACREST
Legal Block	110
Legal Lot Number	19.23
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HIGHLANDS
Census Block Group	1
Census Block	1007
Census Tract	800101

Owner

3 Ralph St, a condominium, is owned by an individual who bought it in June 2015.

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

Owner of Record	Individual Name on File
Mailing Address	3 RALPH ST, HIGHLANDS, NJ 07732-1310
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

Date	Document
May 10, 2024	Deed of Trust, Mortgage · Line of Credit HOMETAP EQUITY PARTNERS LLC
Sep 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BK
Dec 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage BETHPAGE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2015 · Amount on File
Deed Sale	Jun 22, 2015 · Amount on File
Deed Document Number	201556393
Deed Book / Page	9118 / 8690
Record Updated	Sep 20, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	3 RALPH ST, HIGHLANDS, NJ 07732-1310
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	CLEAREDGE TITLE, CLEAREDGE TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0096879720
Date	May 10, 2024
Book Page	9687/9720
Instrument	2024031544

Lender

Name	HOMETAP EQUITY PARTNERS LLC
Type	Non-Lending Institution
Address	BOSTON, MA 02116

Agreement

Type	Line of Credit
Amount	Amount on Record

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	3 RALPH ST, HIGHLANDS, NJ 07732-1310
Document Number	0000110816
Instrument Date	Sep 17, 2020
Transaction Type	Mortgage
Record Updated	Oct 27, 2020
Title Company	SERVICELINK TITLE COMPANY LLC, SERVICELINK TITLE CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 RALPH ST #3 HIGHLANDS NJ 077321310, 3, HIGHLANDS, NJ 07732-1310

Mortgage

Document Number	0000110816
Date	Sep 28, 2020
Book Page	009444/003612
Instrument	110816

Lender

Name	DISCOVER BK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 27, 2035

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	3 RALPH ST, HIGHLANDS, NJ 07732-1310
Document Number	0000002087
Instrument Date	Dec 20, 2019
Transaction Type	Mortgage
Record Updated	Apr 30, 2021
Title Company	WORLD WIDE LAND TRANSFER INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 RALPH ST HIGHLANDS NJ 077321310, HIGHLANDS, NJ 07732-1310

Mortgage

Document Number	0000002087
Date	Jan 7, 2020
Book Page	009389/004672
Instrument	2087

Lender

Name	BETHPAGE FCU
Type	Credit Union
Address	GLEN BURNIE, MD 21060

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 6, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.62%

Tax Assessment & Valuation

The 2025 property tax bill for 3 Ralph St was $9,265, up 15% 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		$558,700 (+3.12%) Land $355,000 Building $203,700	$558,700 (+3.12%) Land $355,000 Building $203,700
2025	$9,265.00 (+14.95%)	$541,800 Land $340,000 Building $201,800	$541,800 Land $340,000 Building $201,800
2024	$8,060.00
2023		$402,500 Land $209,000 Building $193,500	$402,500 Land $209,000 Building $193,500
2022	$8,465.00

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

Flood

FEMA maps place 3 Ralph St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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 Ralph 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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