Monmouth County and Rumson Borough property record for 38 W River Rd, Rumson, NJ 07760
| Property Type | Commercial |
|---|---|
| Details | 4,480 sqft · built 2022 |
| Lot Size | 0.61 acres (26,585 sqft) |
| Owner | Company Name on Record |
| Last Sale | $825,000 (Oct 2018) |
| Tax Bill | $18,439 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage Dec 2021 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 41-00005-0000-00003-01 |
| Primary APN | 41-00005-0000-00003-01 |
|---|---|
| Alternative APN |
|
| Building Area | 4,480 sqft Total Area |
|---|
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Lot Area | 26,585 sqft (0.61 acres) |
| Sewer | Connected |
|---|
| Street Address | 38 W RIVER RD |
|---|---|
| City | RUMSON |
| State | NJ |
| Zip | 07760-1334 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | GB |
| Legal Block | 5 |
| Legal Lot Number | 3.1 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | RUMSON |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 803900 |
Source: Monmouth County and Rumson Borough records, as of July 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 70 FAIR HAVEN RD, FAIR HAVEN, NJ 07704-3345 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Oct 12, 2023 | Deed of Trust, Mortgage · Commercial Mortgage MANASQUAN BANK |
| Dec 8, 2021 | Deed of Trust, Mortgage · Commercial Mortgage MANASQUAN BANK |
| Mar 2, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Oct 25, 2018 | Grant Deed, Transfer · Conventional Mortgage WEST RIVER ROAD EQUITIES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 25, 2018 · Amount on Record |
| Deed Sale | Oct 25, 2018 · Amount on Record |
| Prior Sale | Oct 8, 2008 · Amount on Record |
| Deed Document Number | 2018104879 |
| Deed Book / Page | 9318 / 1053 |
| Prior Transfer Date | Feb 8, 2011 |
| Prior Transfer Doc | 0088782206 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 38 W RIVER RD, RUMSON, NJ 07760-1334 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 70 FAIR HAVEN RD, FAIR HAVEN, NJ 07704-3345 |
| Document Number | 0096633071 |
|---|---|
| Date | Oct 12, 2023 |
| Book Page | 9663/3071 |
| Instrument | 2023071175 |
| Name | MANASQUAN BANK |
|---|---|
| Type | Bank |
| Address | MANASQUAN, NJ 08736 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 38 W RIVER RD, RUMSON, NJ 07760-1334 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2023 |
| Title Company | TRIDENT ABSTRACT TITLE AGENCY LLC, TRIDENT ABSTRACT TTL AGCY LL |
| Name | Verified Name |
|---|---|
| Address | 3 VERONICA PL, MIDDLETOWN, NJ 07748-1410 |
| Document Number | 0095636659 |
|---|---|
| Date | Dec 8, 2021 |
| Book Page | 9563/6659 |
| Instrument | 2021175829 |
| Name | MANASQUAN BANK |
|---|---|
| Type | Bank |
| Address | MANASQUAN, NJ 08736 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Mar 2, 2023 |
| Property Address | 38 W RIVER RD, RUMSON, NJ 07760-1334 |
| Document Number | 0096360161 |
| Book / Page | 9636 / 161 |
| Instrument Date | May 5, 2022 |
| Instrument | 2023014927 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 70 FAIR HAVEN RD, FAIR HAVEN, NJ 07704-3345 |
| Name | Verified Name |
|---|---|
| Address | 1 E MAIN ST, FREEHOLD, NJ 07728-2273 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Oct 25, 2018 |
| Property Address | 38 W RIVER RD, RUMSON, NJ 07760-1334 |
| Document Number | 0000104879 |
| Book / Page | 009318 / 001053 |
| Instrument Date | Oct 15, 2018 |
| Instrument | 104879 |
| Transaction Type | Transfer |
| Record Updated | Nov 12, 2018 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $825.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 70 FAIR HAVEN RD FAIR HAVEN NJ 077043345, FAIR HAVEN, NJ 07704-3345 |
| Document Number | 104880 |
|---|---|
| Date | Oct 25, 2018 |
| Book Page | 009318/001067 |
| Instrument | 104880 |
| Name | WEST RIVER ROAD EQUITIES LLC |
|---|---|
| Address | 438 CHESTERFIELD JACOBSTOWN RD, CHESTERFIELD, NJ 08515-1926 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Oct 24, 2021 |
| Rate | 6% |
|---|
Source: Monmouth County and Rumson Borough assessment roll, as of July 9, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,062,800 (+17.35%) Land $1,190,600 Building $872,200 | $2,062,800 (+17.35%) Land $1,190,600 Building $872,200 | |
| 2025 | $18,439.00 (-0.09%) | $1,757,800 (+82.93%) Land $1,031,300 Building $726,500 | $1,757,800 (+82.93%) Land $1,031,300 Building $726,500 |
| 2024 | $18,456.00 (+61.88%) | ||
| 2023 | $960,900 (+8.47%) Land $960,900 | $960,900 (+8.47%) Land $960,900 | |
| 2022 | $11,401.00 (-4.71%) | $885,900 Land $885,900 | $885,900 Land $885,900 |
| 2021 | $11,965.00 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 66 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 75 units insured incl. 9 condo units |
| Nearby Flood Claims | 165 (1978–2024) |
| Claims Outside the SFHA | 30 of 165 |
| Most Recent Claim | Jan 2024 · river or lake flooding |
| 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 94% of the US · lower than 85% 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.
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 342 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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