Monmouth County and Highlands Borough property record for 32 Bay St, Highlands, NJ 07732
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,652 sqft · built 1966 |
| Lot Size | 0.115 acres (5,001 sqft) |
| Owner | Individual Name on File |
| Last Sale | $375,000 (Feb 2010) |
| Tax Bill | $11,349 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-00027-0000-00012 |
| Primary APN | 19-00027-0000-00012 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Building Area | 1,652 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Upper Floors Area | 1,028 sqft |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 5,001 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Type | Built-in |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 24 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 00006380 |
|---|---|
| Street Address | 32 BAY ST |
| City | HIGHLANDS |
| State | NJ |
| Zip | 07732-1802 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF05 |
| Legal Subdivision | MICHAEL KOVIC |
| Legal Block | 27 |
| Legal Lot Number | 12 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | HIGHLANDS |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 800102 |
32 Bay St is owned and occupied by an individual who bought it in February 2010.
Source: Monmouth County and Highlands Borough records, as of July 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 32 BAY ST, HIGHLANDS, NJ 07732-1802 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 10, 2010 · Amount on File |
| Deed Sale | Feb 10, 2010 · Amount on File |
| Prior Sale | Sep 15, 1999 · Amount on File |
| Deed Document Number | 201013201 |
| Deed Book / Page | 8820 / 189 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 32 Bay St was $11,349, down 0.4% from the year before.
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 | $737,900 (+11.18%) Land $440,000 Building $297,900 | $737,900 (+11.18%) Land $440,000 Building $297,900 | |
| 2025 | $11,349.00 (-0.45%) | $663,700 Land $368,500 Building $295,200 | $663,700 Land $368,500 Building $295,200 |
| 2024 | $11,400.00 | ||
| 2023 | $561,500 Land $286,000 Building $275,500 | $561,500 Land $286,000 Building $275,500 | |
| 2022 | $9,438.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 32 Bay St in Zone X, an area of minimal flood risk, though there have been 5 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 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.
Wildfire risk around 32 Bay St is low, with a 0.06% annual chance of wildfire.
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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