357 Shore Dr, Highlands, NJ 07732 Property Records

Monmouth County and Highlands Borough property record for 357 Shore Dr, Highlands, NJ 07732

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,760 sqft · built 2019
Lot Size	0.038 acres (1,651 sqft)
Owner	2 Individual Names on File
Tax Bill	$10,397 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Oct 2021 Sale & Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`19-00103-0000-00008`

Property Details

APN / Parcel Number

Primary APN	`19-00103-0000-00008`
Alternative APNs	`190010300008` `00021050`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,760 sqft Living Area
1st Floor Area	880 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Other
Lot Area	1,651 sqft (0.038 acres)
Lot Dimensions	55 ft deep x 30 ft wide
Deck Area	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00021050
Street Address	357 SHORE DR
City	HIGHLANDS
State	NJ
Zip	07732-1027
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MF08
Legal Subdivision	BOROUGH/HIGHLANDS
Legal Block	103
Legal Lot Number	8
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HIGHLANDS
Census Block Group	1
Census Block	1005
Census Tract	800101

Owner

357 Shore Dr is owned and occupied by two individuals who acquired it in June 2023.

Source: Monmouth County and Highlands Borough records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	357 SHORE DR, HIGHLANDS, NJ 07732-1027
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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
Jun 22, 2023	Intrafamily Transfer, Transfer · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC
Oct 20, 2021	Bargain and Sale Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Sep 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FIN'L
Oct 25, 2017	Grant Deed, Transfer
Oct 25, 2017	Grant Deed, Transfer · FHA Mortgage GSF MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2023
Deed Sale	Jun 22, 2023
Prior Sale	Oct 20, 2021 · Amount on File
Deed Document Number	202342391
Deed Book / Page	9649 / 2292
Prior Transfer Date	Mar 31, 2023
Prior Transfer Doc	0096492292
Record Updated	Oct 29, 2026

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONMOUTH NJ
Recording Date	Jun 22, 2023
Property Address	357 SHORE DR, HIGHLANDS, NJ 07732-1027
Document Number	0096492292
Book / Page	9649 / 2292
Instrument Date	Mar 31, 2023
Instrument	2023042391
Transaction Type	Transfer
Record Updated	Jul 18, 2023
Title Company	TIMIOS INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	357 SHORE DR, HIGHLANDS, NJ 07732-1027

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	357 SHORE DR, HIGHLANDS, NJ 07732-1027

Mortgage

Document Number	2023042392
Date	Jun 22, 2023
Instrument	2023042392

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Apr 1, 2053

October 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Oct 20, 2021
Property Address	357 SHORE DR, HIGHLANDS, NJ 07732-1027
Document Number	0095522509
Book / Page	9552 / 2509
Instrument Date	Oct 7, 2021
Instrument	2021154764
Transaction Type	Transfer
Record Updated	Nov 9, 2021
Title Company	ACRES LAND TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,263.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	119 BROWN AVE, 119, SPRING LAKE, NJ 07762-1017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	357 SHORE DR, HIGHLANDS, NJ 07732-1027

Mortgage

Document Number	2021154765
Date	Oct 20, 2021
Instrument	2021154765

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	357 SHORE DR, HIGHLANDS, NJ 07732-1027
Document Number	0000117585
Instrument Date	Sep 20, 2020
Transaction Type	Mortgage
Record Updated	Nov 3, 2020
Title Company	ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	357 SHORE DR HIGHLANDS NJ 077321027, HIGHLANDS, NJ 07732-1027

Mortgage

Document Number	0000117585
Date	Oct 8, 2020
Book Page	009447/009489
Instrument	117585

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 7, 2030

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Oct 25, 2017
Property Address	357 SHORE DR, HIGHLANDS, NJ 07732-1027
Document Number	0092555444
Book / Page	009255 / 005444
Instrument Date	Oct 25, 2017
Transaction Type	Transfer
Record Updated	Nov 13, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Oct 25, 2017
Property Address	357 SHORE DR, HIGHLANDS, NJ 07732-1027
Document Number	0000104793
Book / Page	009255 / 005462
Instrument Date	Oct 11, 2017
Instrument	104793
Transaction Type	Transfer
Record Updated	Dec 11, 2017
Title Company	AMERICAN LAND TITLE ASSOCIATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	367 SHORE DR HIGHLANDS NJ 077321030, HIGHLANDS, NJ 07732-1030

Mortgage

Document Number	104799
Date	Oct 25, 2017
Book Page	009255/005469
Instrument	104799

Lender

Name	GSF MTG
Type	Mortgage Company
Address	BROOKFIELD, WI 53005

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 24, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 357 Shore Dr was $10,397, up 21% 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		$627,400 (+3.19%) Land $315,400 Building $312,000	$627,400 (+3.19%) Land $315,400 Building $312,000
2025	$10,397.00 (+21.02%)	$608,000 Land $298,900 Building $309,100	$608,000 Land $298,900 Building $309,100
2024	$8,591.00
2023		$305,500 (+57.23%) Land $116,700 Building $188,800	$305,500 (+57.23%) Land $116,700 Building $188,800
2022	$4,183.00 (+222.51%)	$194,300 Land $57,500 Building $136,800	$194,300 Land $57,500 Building $136,800
2021	$1,297.00

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

Flood

FEMA maps place 357 Shore Dr 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

The area around 357 Shore Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 194 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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