45 Miller St, Highlands, NJ 07732 Property Records

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

Property Summary

Property Type	Single Family Home
Details	1,560 sqft · built 2019
Lot Size	0.055 acres (2,400 sqft)
Owner	Individual Name on File
Last Sale	$660,000 (Sep 2022)
Tax Bill	$11,676 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2022 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`19-00054-0000-00009-012`

Property Details

APN / Parcel Number

Primary APN	`19-00054-0000-00009-012`
Alternative APN	`00009770`

Interior

Stories	2 Stories
Building Area	1,560 sqft Living Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Colonial
Construction Type	Frame
Lot Area	2,400 sqft (0.055 acres)
Lot Dimensions	80 ft deep x 30 ft wide
Garage Type	Attached

Location & Zoning

Account Number	00009770
Street Address	45 MILLER ST
City	HIGHLANDS
State	NJ
Zip	07732-1751
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R202
Legal Block	54
Legal Lot Number	9.12
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HIGHLANDS
Census Block Group	2
Census Block	2016
Census Tract	800101

Owner

45 Miller St is owned and occupied by an individual who acquired it in March 2025.

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

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

Owner of Record	Individual Name on File
Mailing Address	45 MILLER ST, HIGHLANDS, NJ 07732-1751
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2025	Deed of Trust, Mortgage POINT DIGITAL FINANCE INC
Sep 16, 2022	Deed, Transfer TRIDENT ABSTRACT TITLE AGENCY LLC, TRIDENT ABSTRACT TTL AGCY LL
May 13, 2019	Grant Deed, Transfer · Conventional Mortgage MLD MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2022 · Amount on File
Deed Sale	Sep 16, 2022 · Amount on File
Prior Sale	May 13, 2019 · Amount on File
Deed Document Number	202295060
Deed Book / Page	9615 / 9102
Last Transfer Date	Mar 10, 2025
Transfer Doc	0097287876
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	45 MILLER ST, HIGHLANDS, NJ 07732-1751
Transaction Type	Mortgage
Record Updated	Oct 22, 2025
Title Company	CLEAREDGE TITLE, CLEAREDGE TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 MILLER ST, HIGHLANDS, NJ 07732-1751

Mortgage

Document Number	0097597491
Date	Oct 7, 2025
Book Page	9759/7491
Instrument	2025079946

Lender

Name	POINT DIGITAL FINANCE INC
Type	Mortgage Company
Address	PALO ALTO, CA 94302

Agreement

Amount	Amount on Record

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Sep 16, 2022
Property Address	45 MILLER ST, HIGHLANDS, NJ 07732-1751
Document Number	0096159102
Book / Page	9615 / 9102
Instrument Date	Sep 8, 2022
Instrument	2022095060
Transaction Type	Transfer
Record Updated	Oct 6, 2022
Title Company	TRIDENT ABSTRACT TITLE AGENCY LLC, TRIDENT ABSTRACT TTL AGCY LL

Transaction

Amount	Amount on Record
Tax	$2,723.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5751 OYSTER CATCHER DR UNIT 631, 5751, NORTH MYRTLE BEACH, SC 29582-9351

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 MILLER ST, HIGHLANDS, NJ 07732-1751

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	May 13, 2019
Property Address	45 MILLER ST, HIGHLANDS, NJ 07732-1751
Document Number	0000041463
Book / Page	009347 / 007884
Instrument Date	Apr 30, 2019
Instrument	41463
Transaction Type	Transfer
Record Updated	Aug 10, 2020
Title Company	ALLIED TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$435.00
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	45 MILLER ST HIGHLANDS NJ 077321751, HIGHLANDS, NJ 07732-1751

Mortgage

Document Number	41464
Date	May 13, 2019
Book Page	009347/007897
Instrument	41464

Lender

Name	MLD MTG
Type	Mortgage Company
Address	FLORHAM PARK, NJ 07932

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 12, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 45 Miller St was $11,676, up 3.7% 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		$714,900 (+4.7%) Land $211,700 Building $503,200	$714,900 (+4.7%) Land $211,700 Building $503,200
2025	$11,676.00 (+3.73%) Veteran's exemption	$682,800 Land $184,200 Building $498,600	$682,800 Land $184,200 Building $498,600
2024	$11,256.00
2023		$558,000 Land $118,200 Building $439,800	$558,000 Land $118,200 Building $439,800
2022	$10,284.00

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

Flood

FEMA maps place 45 Miller 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

The area around 45 Miller St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 258 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.

Nearby Properties on Miller St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures