4 Harding Ln, Rumson, NJ 07760 Property Records

Monmouth County and Rumson Borough property record for 4 Harding Ln, Rumson, NJ 07760

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 5,728 sqft · built 1991
Lot Size	1.76 acres (76,666 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,775,000 (Aug 2020)
Tax Bill	$27,425 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`41-00084-0000-00026`

Property Details

APN / Parcel Number

Primary APN	`41-00084-0000-00026`
Alternative APN	`410008400026`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	5,728 sqft Living Area
1st Floor Area	2,850 sqft
Upper Floors Area	2,240 sqft
Basement Area	2,094 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Colonial
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	76,666 sqft
Garage Type	Attached
Garage Area	804 sqft
Parking Spaces	3 Parking Spaces
Pool Area	800 sqft
Porch	Enclosed Porch
Patio Area	1,116 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4 HARDING LN
City	RUMSON
State	NJ
Zip	07760-1063
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF80
Legal Subdivision	HARDING RDG
Legal Block	84
Legal Lot Number	26
Jurisdiction	MONMOUTH NJ
Township / Civil Division	RUMSON
Census Block Group	2
Census Block	2008
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	4 HARDING LN, RUMSON, NJ 07760-1063
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2020 · Amount on Record
Deed Sale	Aug 24, 2020 · Amount on Record
Prior Sale	Apr 30, 2004 · Amount on Record
Deed Document Number	202093736
Deed Book / Page	9435 / 6141
Record Updated	Oct 29, 2026

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Aug 24, 2020
Property Address	4 HARDING LN, RUMSON, NJ 07760-1063
Document Number	0000093736
Book / Page	009435 / 006141
Instrument Date	Aug 12, 2020
Instrument	93736
Transaction Type	Transfer
Record Updated	Sep 15, 2020
Title Company	MCT TITLE SERVICES LLC, SCOTT TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,775.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4 HARDING LN RUMSON NJ 077601063, RUMSON, NJ 07760-1063

Mortgage

Document Number	93737
Date	Aug 24, 2020
Book Page	009435/006158
Instrument	93737

Lender

Name	MORGAN STANLEY PVT BK NA
Type	Bank
Address	4270 IVY N POINTE BLVDSUITE 40, CINCINNATI, OH 45245

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2050

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		$2,952,300 (+12.92%) Land $1,746,000 Building $1,206,300	$2,952,300 (+12.92%) Land $1,746,000 Building $1,206,300
2025	$27,425.00 (+1.93%)	$2,614,400 (+15.96%) Land $1,587,800 Building $1,026,600	$2,614,400 (+15.96%) Land $1,587,800 Building $1,026,600
2024	$26,907.00 (+4.69%)
2023		$2,254,600 Land $1,407,600 Building $847,000	$2,254,600 Land $1,407,600 Building $847,000
2022	$25,702.00

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	3 (1992–2012)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 2 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 62% of the US · above 58% of New Jersey
Wildfire Likelihood	0.05% 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 137 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