40 1st St, Rumson, NJ 07760 Property Records

Monmouth County and Rumson Borough property record for 40 1st St, Rumson, NJ 07760

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,274 sqft · built 1932
Lot Size	0.092 acres (3,999 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,250,000 (Sep 2026)
Tax Bill	$8,931 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`41-00026-0000-00012`

Property Details

APN / Parcel Number

Primary APN	`41-00026-0000-00012`
Alternative APNs	`410002600012` `038200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,274 sqft Living Area
1st Floor Area	686 sqft
Upper Floors Area	588 sqft
Basement Area	588 sqft

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Architectural Style	Colonial
Exterior Material	Frame
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	3,999 sqft (0.092 acres)
Lot Dimensions	100 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Deck Area	30 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Sewer	Connected

Location & Zoning

Account Number	038200
Street Address	40 1ST ST
City	RUMSON
State	NJ
Zip	07760-1325
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF05
Legal Block	26
Legal Lot Number	12
Jurisdiction	MONMOUTH NJ
Township / Civil Division	RUMSON
Census Block Group	3
Census Block	3022
Census Tract	803900

Owner

Source: Monmouth County and Rumson Borough records, as of October 21, 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	40 1ST ST, RUMSON, NJ 07760-1325
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2026 · Amount on Record
Deed Sale	Sep 28, 2026 · Amount on Record
Deed Document Number	202678778
Deed Book / Page	9814 / 4357
Record Updated	Oct 29, 2026

September 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Sep 28, 2026
Property Address	40 1ST ST, RUMSON, NJ 07760-1325
Document Number	0000078778
Book / Page	9814 / 4357
Instrument Date	Sep 11, 2026
Instrument	202678778
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$126,250.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 1ST ST, RUMSON, NJ 07760-1325

Mortgage

Document Number	0000078779,
Date	Sep 28, 2026
Book Page	9814/4365
Instrument	202678779

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

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		$965,300 (+13.38%) Land $782,000 Building $183,300	$965,300 (+13.38%) Land $782,000 Building $183,300
2025	$8,931.00 (+2.73%)	$851,400 (+13.02%) Land $695,400 Building $156,000	$851,400 (+13.02%) Land $695,400 Building $156,000
2024	$8,694.00 (-4.46%)
2023		$753,300 Land $624,600 Building $128,700	$753,300 Land $624,600 Building $128,700
2022	$9,100.00

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 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	Hurricane Sandy, Nov 2012 · 66 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 42 claims Coastal Storms & Flooding, Apr 1984 · 11 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	Under 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 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