43 2nd St, Highlands, NJ 07732 Property Records

Monmouth County and Highlands Borough property record for 43 2nd St, Highlands, NJ 07732

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1965
Lot Size	0.095 acres (4,151 sqft)
Owner	Individual Name on File
Last Sale	$123,000 (May 2014)
Tax Bill	$5,327 (2025)
Deeds & Mortgages	May 2026 Line of Credit Dec 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`19-00062-0000-00001`

Property Details

APN / Parcel Number

Primary APN	`19-00062-0000-00001`
Alternative APNs	`190006200001` `00011440`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Other
Lot Area	4,151 sqft (0.095 acres)
Lot Dimensions	83 ft deep x 50 ft wide
Patio Area	78 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	00011440
Street Address	43 2ND ST
City	HIGHLANDS
State	NJ
Zip	07732-1640
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF0
Legal Block	62
Legal Lot Number	1
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HIGHLANDS
Census Block Group	2
Census Block	2013
Census Tract	800101

Owner

43 2nd St is owned and occupied by an individual who bought it in May 2014.

Source: Monmouth County and Highlands Borough records, as of July 9, 2026

Owner of Record	Individual Name on File
Mailing Address	43 2ND ST, HIGHLANDS, NJ 07732-1640
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Deed of Trust, Mortgage · Line of Credit AFFINITY FEDERAL CREDIT UNION
Dec 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2014 · Amount on File
Deed Sale	May 27, 2014 · Amount on File
Deed Document Number	201440032
Deed Book / Page	9066 / 6962
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Recording Date	May 1, 2026
Property Address	43 2ND ST, HIGHLANDS, NJ 07732-1640
Document Number	0000036001
Book / Page	9791 / 5544
Instrument Date	Apr 30, 2026
Instrument	202636001
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WESTCOR LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 2ND ST, HIGHLANDS, NJ 07732-1640

Mortgage

Document Number	0000036001,
Date	May 1, 2026
Book Page	9791/5544
Instrument	202636001

Lender

Name	AFFINITY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 29, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	43 2ND ST, HIGHLANDS, NJ 07732-1640
Transaction Type	Mortgage
Record Updated	Jan 18, 2022
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0095690283
Date	Dec 31, 2021
Book Page	9569/283
Instrument	2021185822

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 43 2nd St was $5,327, up 21.2% from the year before.

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		$416,700 (+33.77%) Land $332,200 Building $84,500	$416,700 (+33.77%) Land $332,200 Building $84,500
2025	$5,327.00 (+21.23%)	$311,500 Land $227,700 Building $83,800	$311,500 Land $227,700 Building $83,800
2024	$4,394.00
2023		$201,700 Land $121,400 Building $80,300	$201,700 Land $121,400 Building $80,300
2022	$3,668.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 43 2nd St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 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 File 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	Hurricane Sandy, Nov 2012 · 121 claims Hurricane Irene, Aug 2011 · 37 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 10 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

Wildfire risk around 43 2nd St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.5% 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 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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