39 Oakes Rd, Rumson, NJ 07760 Property Records

Monmouth County and Rumson Borough property record for 39 Oakes Rd, Rumson, NJ 07760

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 6,225 sqft · built 1997
Lot Size	2.25 acres (98,010 sqft)
Owner	2 Individual Names on Record
Last Sale	$3,499,000 (Jan 2026)
Tax Bill	$37,597 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`41-00105-0000-00002-02`

Property Details

APN / Parcel Number

Primary APN	`41-00105-0000-00002-02`
Alternative APN	`41001050000000020002`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	6,225 sqft Living Area
1st Floor Area	3,456 sqft
Upper Floors Area	2,838 sqft
Attic	Attic
Attic Area	331 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Colonial
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Other
Lot Area	98,010 sqft
Garage Area	731 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Deck Area	240 sqft
Patio Area	975 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	39 OAKES RD
City	RUMSON
State	NJ
Zip	07760-1022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	105
Legal Lot Number	2.2
Jurisdiction	MONMOUTH NJ
Township / Civil Division	RUMSON
Census Block Group	4
Census Block	4019
Census Tract	803800

Owner

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	2 Individual Names on Record
Mailing Address	39 OAKES RD, RUMSON, NJ 07760-1022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2026 · Amount on Record
Deed Sale	Jan 28, 2026 · Amount on Record
Prior Sale	Sep 17, 1997 · Amount on Record
Deed Document Number	20268168
Deed Book / Page	9777 / 986
Record Updated	Oct 29, 2026

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Jan 28, 2026
Property Address	39 OAKES RD, RUMSON, NJ 07760-1022
Document Number	0097770986
Book / Page	9777 / 986
Instrument Date	Jan 10, 2026
Instrument	2026008168
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	LEO FORTIS TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12 LINDA LN, TINTON FALLS, NJ 07724-2773

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 OAKES RD, RUMSON, NJ 07760-1022

Mortgage

Document Number	2026008169
Date	Jan 28, 2026
Instrument	2026008169

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Feb 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7%
Index	SOFR Average 30-Day
Max Rate	10%

Tax Assessment & Valuation

Source: Monmouth County and Rumson Borough assessment roll, as of July 9, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$3,500,000 (-2.35%) Land $1,937,900 Building $1,562,100	$3,500,000 (-2.35%) Land $1,937,900 Building $1,562,100
2025	$37,597.00 (+10.25%)	$3,584,100 (+26.7%) Land $1,802,400 Building $1,781,700	$3,584,100 (+26.7%) Land $1,802,400 Building $1,781,700
2024	$34,103.00 (+4.32%)
2023		$2,828,900 Land $1,574,100 Building $1,254,800	$2,828,900 Land $1,574,100 Building $1,254,800
2022	$32,691.00

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

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 118 policies
Nearby Flood Policies	118 in force
Nearby Flood Claims	279 (1978–2019)
Claims Outside the SFHA	32 of 279
Most Recent Claim	Jun 2019 · rainfall accumulation
Claims by Event	Hurricane Sandy, Nov 2012 · 129 claims Hurricane Irene, Aug 2011 · 19 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 74 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

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 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35