Monmouth County and Highlands Borough property record for 40 Cornwall St, Highlands, NJ 07732
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,940 sqft · built 1898 |
| Lot Size | 0.096 acres (4,199 sqft) |
| Owner | Individual Name on File |
| Last Sale | $365,000 (Oct 2018) |
| Tax Bill | $10,103 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Jun 2020 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 19-00052-0000-00012 |
| Primary APN | 19-00052-0000-00012 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,940 sqft Living Area |
| 1st Floor Area | 970 sqft |
| Upper Floors Area | 970 sqft |
| Basement Area | 910 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1898 |
|---|---|
| Effective Year Built | Effective 1898 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 4,199 sqft (0.096 acres) |
| Lot Dimensions | 70 ft deep x 60 ft wide |
| Garage Type | Basement |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Spa / Hot Tub (No Pool) |
| Porch | Open Porch |
| Deck Area | 430 sqft |
| Cooling System | HVAC |
|---|---|
| Sewer | Connected |
| Account Number | 00009540 |
|---|---|
| Street Address | 40 CORNWALL ST |
| City | HIGHLANDS |
| State | NJ |
| Zip | 07732-1750 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF0 |
| Legal Subdivision | NAVESINK |
| Legal Block | 52 |
| Legal Lot Number | 12 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | HIGHLANDS |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 800101 |
Source: Monmouth County and Highlands Borough records · APN 19-00052-0000-00012
Assessment roll updated July 9, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 40 CORNWALL ST, HIGHLANDS, NJ 07732-1750 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 03, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Jun 29, 2020 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Oct 09, 2018 | Grant Deed, Transfer · Conventional with PMI BANK OF AMERICA |
| May 03, 2017 | Grant Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 09, 2018 · Amount on Record |
| Deed Sale | Oct 09, 2018 · Amount on Record |
| Prior Sale | Nov 28, 2005 · Amount on Record |
| Deed Document Number | 201898996 |
| Deed Book / Page | 9315 / 4191 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 40 CORNWALL ST, HIGHLANDS, NJ 07732-1750 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2023 |
| Name | Verified Name |
|---|---|
| Address | 40 CORNWALL ST, HIGHLANDS, NJ 07732-1750 |
| Document Number | 0096545336 |
|---|---|
| Date | Aug 03, 2023 |
| Book Page | 9654/5336 |
| Instrument | 2023053202 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jul 25, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 40 CORNWALL ST, HIGHLANDS, NJ 07732-1750 |
| Document Number | 0000091243 |
| Instrument Date | Jun 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2020 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 40 CORNWALL ST HIGHLANDS NJ 077321750, HIGHLANDS, NJ 07732-1750 |
| Document Number | 0000091243 |
|---|---|
| Date | Aug 18, 2020 |
| Book Page | 009434/003086 |
| Instrument | 91243 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Aug 17, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Oct 09, 2018 |
| Property Address | 40 CORNWALL ST, HIGHLANDS, NJ 07732-1750 |
| Document Number | 0000098996 |
| Book / Page | 009315 / 004191 |
| Instrument Date | Sep 27, 2018 |
| Instrument | 98996 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2018 |
| Title Company | TRIDENT ABSTRACT TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $365.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 40 CORNWALL ST HIGHLANDS NJ 077321750, HIGHLANDS, NJ 07732-1750 |
| Document Number | 98997 |
|---|---|
| Date | Oct 09, 2018 |
| Book Page | 009315/004207 |
| Instrument | 98997 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 08, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | May 03, 2017 |
| Property Address | 40 CORNWALL ST, HIGHLANDS, NJ 07732-1750 |
| Document Number | 0092255302 |
| Book / Page | 009225 / 005302 |
| Instrument Date | May 03, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2017 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
Source: Monmouth County and Highlands Borough records · Assessment roll updated July 9, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| Municipality | Highlands Borough |
| Unified School District | Henry Hudson Regional School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $698,600 (+18.25%) Land $333,600 Building $365,000 | $698,600 (+18.25%) Land $333,600 Building $365,000 | |
| 2025 | $10,103.00 (+2.84%) | $590,800 (+25.7%) Land $229,100 Building $361,700 | $590,800 (+25.7%) Land $229,100 Building $361,700 |
| 2024 | $9,824.00 (+7.14%) | ||
| 2023 | $470,000 Land $123,200 Building $346,800 | $470,000 Land $123,200 Building $346,800 | |
| 2022 | $9,169.00 |
Source: FEMA National Flood Hazard Layer as of September 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 11.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 271 individual policies |
| Nearby Flood Policies | 315 units insured incl. 44 condo units |
| Nearby Flood Claims | 183 (1992–2023) |
| Most Recent Claim | Sep 2023 · rainfall accumulation |
| Claims by Event |
|
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 258 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NJ AMERICAN WATER - COASTAL NORTH private · serves 377,613 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures