445 Locust Point Rd, Rumson, NJ 07760 Property Records

Monmouth County and Middletown Township property record for 445 Locust Point Rd, Rumson, NJ 07760 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	7 bd · 7.5 ba · 12,863 sqft · built 1993
Lot Size	2.23 acres (97,139 sqft)
Owner	2 Individual Names on File
Last Sale	$3,580,000 (Aug 2019)
Tax Bill	$75,689 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32-00841-0000-00016`

Property Details

APN / Parcel Number

Primary APN	`32-00841-0000-00016`
Alternative APNs	`320084100016` `881`

Interior

Bedrooms	7 Beds
Full Baths	7.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	12,863 sqft Living Area
1st Floor Area	4,966 sqft
Upper Floors Area	3,274 sqft
Attic	Attic
Attic Area	1,395 sqft
Basement Area	3,778 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Colonial
Construction Type	Frame
Roof Type	Gable
Roof Material	Slate
Lot Area	97,139 sqft
Garage Type	Built-in
Parking Spaces	7 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Open Porch
Patio Area	798 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Septic

Location & Zoning

Account Number	881
Street Address	445 LOCUST POINT RD
City	RUMSON
State	NJ
Zip	07760-2319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	841
Legal Lot Number	16
Jurisdiction	MONMOUTH NJ
Township / Civil Division	MIDDLETOWN
Census Block Group	1
Census Block	1007
Census Tract	800900

Owner

Source: Monmouth County and Middletown Township records · APN 32-00841-0000-00016

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	2 Individual Names on File
Mailing Address	164 WILDWOOD AVE, MONTCLAIR, NJ 07043-1828
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 14, 2019 · Amount on Record
Deed Sale	Aug 14, 2019 · Amount on Record
Prior Sale	Feb 27, 1992
Deed Document Number	201974079
Deed Book / Page	9363 / 2752
Record Updated	Sep 20, 2026

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Aug 14, 2019
Property Address	445 LOCUST POINT RD, RUMSON, NJ 07760-2319
Document Number	0000074079
Book / Page	009363 / 002752
Instrument Date	May 30, 2019
Instrument	74079
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	GUARDIAN TITLE COMPANY, GUARDIAN TITLE SERVICES CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,580.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	445 LOCUST POINT RD RUMSON NJ 077602319, RUMSON, NJ 07760-2319

Mortgage

Document Number	74080
Date	Aug 14, 2019
Book Page	009363/002843
Instrument	74080

Lender

Name	PROVIDENT BK
Type	Bank
Address	100 WOOD AVE S, ISELIN, NJ 08830-2727

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Aug 13, 2039

Tax Assessment & Valuation

Source: Monmouth County and Middletown Township records · Assessment roll updated July 9, 2026 · Last verified July 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

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		$4,993,400 (+6.48%) Land $2,127,600 Building $2,865,800	$4,993,400 (+6.48%) Land $2,127,600 Building $2,865,800
2025	$75,689.00 (+6.44%)	$4,689,500 (+15.21%) Land $1,819,900 Building $2,869,600	$4,689,500 (+15.21%) Land $1,819,900 Building $2,869,600
2024	$71,108.00 (-3.95%)
2023		$4,070,300 Land $1,425,700 Building $2,644,600	$4,070,300 Land $1,425,700 Building $2,644,600
2022	$74,032.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monmouth County (34025C), updated September 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340258009001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 10 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	10 in force 5 of 10 on primary residences
Nearby Flood Claims	13 (1984–2012)
Claims Outside the SFHA	9 of 13
Most Recent Claim	Oct 2012, rainfall accumulation, Hurricane Sandy
Flood Events	Hurricane Sandy (Oct 2012), 7 claims Hurricane Irene (Aug 2011), 3 claims

Wildfire

Wildfire Risk	Low above 34% of the US · above 53% of New Jersey
Wildfire Likelihood	About 1 in 2,703 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.