45 2nd St, Highlands, NJ 07732 Property Records

Monmouth County and Highlands Borough property record for 45 2nd St, Highlands, NJ 07732

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,460 sqft · built 2020
Lot Size	0.094 acres (4,099 sqft)
Owner	Individual Name on Record
Last Sale	$812,500 (Sep 2024)
Tax Bill	$14,084 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`19-00062-0000-00002`

Property Details

APN / Parcel Number

Primary APN	`19-00062-0000-00002`
Alternative APNs	`190006200002` `00011450`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,460 sqft Living Area
1st Floor Area	836 sqft
Upper Floors Area	666 sqft
Basement Area	794 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Other
Lot Area	4,099 sqft (0.094 acres)
Lot Dimensions	82 ft deep x 50 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space
Deck Area	166 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	00011450
Street Address	45 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	2
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HIGHLANDS
Census Block Group	2
Census Block	2013
Census Tract	800101

Owner

Source: Monmouth County and Highlands Borough 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	Individual Name on Record
Mailing Address	45 2ND ST, HIGHLANDS, NJ 07732-1640
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2022	Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Sep 21, 2020	Grant Deed, Transfer · Conventional with PMI FAMILY FIRST FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2024 · Amount on Record
Deed Sale	Sep 18, 2024 · Amount on Record
Prior Sale	Sep 15, 2022 · Amount on Record
Deed Document Number	202464956
Deed Book / Page	9704 / 9338
Prior Transfer Date	May 23, 2024
Prior Transfer Doc	0000034878
Record Updated	Oct 29, 2026

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Sep 15, 2022
Property Address	45 2ND ST, HIGHLANDS, NJ 07732-1640
Document Number	0096154474
Book / Page	9615 / 4474
Instrument Date	Sep 12, 2022
Instrument	2022094185
Transaction Type	Transfer
Record Updated	Oct 6, 2022
Title Company	SUNRISE TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,715.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2210 EARLE CT, 2210, REDONDO BEACH, CA 90278-5003

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 2ND ST, HIGHLANDS, NJ 07732-1640
Investor	Possibly a Property Investor

Mortgage

Document Number	2022094186
Date	Sep 15, 2022
Instrument	2022094186

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Sep 21, 2020
Property Address	45 2ND ST, HIGHLANDS, NJ 07732-1640
Document Number	0000107120
Book / Page	009442 / 003558
Instrument Date	Sep 9, 2020
Instrument	107120
Transaction Type	Transfer
Record Updated	Oct 26, 2020
Title Company	COASTAL TITLE, COASTAL TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$489.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 2ND ST HIGHLANDS NJ 077321640, HIGHLANDS, NJ 07732-1640

Mortgage

Document Number	107121
Date	Sep 21, 2020
Book Page	009442/003575
Instrument	107121

Lender

Name	FAMILY FIRST FNDG
Type	Funding / Finance Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 20, 2050

Tax Assessment & Valuation

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		$933,600 (+13.36%) Land $332,200 Building $601,400	$933,600 (+13.36%) Land $332,200 Building $601,400
2025	$14,084.00 (+8.07%)	$823,600 (+31.19%) Land $227,700 Building $595,900	$823,600 (+31.19%) Land $227,700 Building $595,900
2024	$13,032.00 (+12.24%)
2023		$627,800 Land $121,400 Building $506,400	$627,800 Land $121,400 Building $506,400
2022	$11,611.00

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 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	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

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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