422 Locust Point Rd, Rumson, NJ 07760 Property Records

Monmouth County and Middletown Township property record for 422 Locust Point Rd, Rumson, NJ 07760

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 6,147 sqft · built 1919
Lot Size	5.48 acres (238,709 sqft)
Owner	2 Individual Names on Record
Tax Bill	$37,763 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32-00840-0000-00065`

Property Details

APN / Parcel Number

Primary APN	`32-00840-0000-00065`
Alternative APNs	`320046900000000401` `320084000065`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	6,147 sqft Living Area
Gross Area	6,006 sqft
1st Floor Area	2,406 sqft
Upper Floors Area	2,078 sqft
Basement Area	2,382 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Architectural Style	Colonial
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	238,709 sqft
Garage Area	1,344 sqft
Parking Spaces	6 Parking Spaces
Porch	Open Porch
Patio Area	736 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Sewer	Septic

Location & Zoning

Old Parcel Number	320046900000000401
Street Address	422 LOCUST POINT RD
City	RUMSON
State	NJ
Zip	07760-2320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R110
Legal Block	840
Legal Lot Number	65
Jurisdiction	MONMOUTH NJ
Township / Civil Division	MIDDLETOWN
Census Block Group	1
Census Block	1004
Census Tract	800900

Owner

Source: Monmouth County and Middletown Township 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	422 LOCUST POINT RD, RUMSON, NJ 07760-2320
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONMOUTH NJ
Recording Date	May 17, 2021
Property Address	422 LOCUST POINT RD, RUMSON, NJ 07760-2320
Document Number	0095112911
Book / Page	9511 / 2911
Instrument Date	Apr 26, 2021
Instrument	2021078666
Transaction Type	Transfer
Record Updated	Jun 3, 2021
Title Company	TRIDENT ABSTRACT TITLE AGENCY LLC, TRIDENT ABSTRACT TTL AGCY LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$56,170.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	422 LOCUST POINT RD, 422, LOCUST, NJ 07760-2320

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	422 LOCUST POINT RD, LOCUST, NJ 07760-2320

Mortgage

Document Number	2021078667
Date	May 17, 2021
Instrument	2021078667

Lender

Name	OCEANFIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Jun 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.75%
Index	1-Year CMT
Max Rate	8.75%

Tax Assessment & Valuation

Source: Monmouth County and Middletown Township assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
County Subdivision	Middletown Township
Unified School District	Middletown Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,781,100 (+18.87%) Land $1,493,400 Building $1,287,700	$2,781,100 (+18.87%) Land $1,493,400 Building $1,287,700
2025	$37,763.00 (+5.81%)	$2,339,700 (+65%) Land $1,064,600 Building $1,275,100	$2,339,700 (+65%) Land $1,064,600 Building $1,275,100
2024	$35,689.00 (+41.73%)
2023		$1,418,000 Land $490,800 Building $927,200	$1,418,000 Land $490,800 Building $927,200
2022	$25,181.00

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 10 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	13 (1984–2012)
Claims Outside the SFHA	9 of 13
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Hurricane Sandy, Oct 2012 · 7 claims Hurricane Irene, Aug 2011 · 3 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	Moderate above 46% of the US · above 65% of New Jersey
Wildfire Likelihood	0.07% 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 45 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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