4 Prospect St, Highlands, NJ 07732 Property Records

Monmouth County and Highlands Borough property record for 4 Prospect St, Highlands, NJ 07732

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,831 sqft · built 2001
Lot Size	0.247 acres (10,764 sqft)
Owner	2 Individual Names on Record
Last Sale	$679,900 (Mar 2006)
Tax Bill	$15,262 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`19-00028-0000-00003-01`

Property Details

APN / Parcel Number

Primary APN	`19-00028-0000-00003-01`
Alternative APNs	`19000280000000030001` `00006420`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,831 sqft Living Area
1st Floor Area	1,447 sqft
Upper Floors Area	1,384 sqft
Basement Area	1,384 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Other
Lot Area	10,764 sqft (0.247 acres)
Lot Dimensions	92 ft deep x 117 ft wide
Terrain	High
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	1,068 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00006420
Street Address	4 PROSPECT ST
City	HIGHLANDS
State	NJ
Zip	07732-1832
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	2
Legal Description	3.02
Legal Block	28
Legal Lot Number	3.1
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HIGHLANDS
Census Block Group	1
Census Block	1008
Census Tract	800102

Owner

Source: Monmouth County and Highlands 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 PROSPECT ST, HIGHLANDS, NJ 07732-1832
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2006 · Amount on Record
Deed Sale	Mar 23, 2006 · Amount on Record
Prior Sale	Jan 9, 2002 · Amount on Record
Deed Book / Page	8551 / 219
Last Transfer Date	Dec 22, 2011
Transfer Doc	0089257117
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	4 PROSPECT ST, HIGHLANDS, NJ 07732-1832
Transaction Type	Mortgage
Record Updated	Jul 29, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 PROSPECT ST, HIGHLANDS, NJ 07732-1832

Mortgage

Document Number	0096010965
Date	Jun 21, 2022
Book Page	9601/965
Instrument	2022064472

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 6, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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		$992,200 (+11.17%) Land $470,100 Building $522,100	$992,200 (+11.17%) Land $470,100 Building $522,100
2025	$15,262.00 (-1.85%)	$892,500 (+15.18%) Land $375,100 Building $517,400	$892,500 (+15.18%) Land $375,100 Building $517,400
2024	$15,549.00 (+9.43%)
2023		$774,900 Land $338,400 Building $436,500	$774,900 Land $338,400 Building $436,500
2022	$14,209.00

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 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	Hurricane Sandy, Oct 2012 · 4 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 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.

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 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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