45 Seadrift Ave, Highlands, NJ 07732 Property Records

Monmouth County and Highlands Borough property record for 45 Seadrift Ave, Highlands, NJ 07732

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,116 sqft · built 1923
Lot Size	0.04 acres (1,751 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Jul 2021)
Tax Bill	$6,855 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage May 2019 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`19-00072-0000-00022`

Property Details

APN / Parcel Number

Primary APN	`19-00072-0000-00022`
Alternative APNs	`190007200022` `00014370`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,116 sqft Living Area
1st Floor Area	612 sqft
Upper Floors Area	504 sqft
Basement Area	324 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gambrel
Roof Material	Other
Lot Area	1,751 sqft (0.04 acres)
Lot Dimensions	70 ft deep x 25 ft wide
Garage Type	Basement
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Deck Area	136 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Connected

Location & Zoning

Account Number	00014370
Street Address	45 SEADRIFT AVE
City	HIGHLANDS
State	NJ
Zip	07732-1508
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MF08
Legal Subdivision	WATER WITCH DEV COS
Legal Block	72
Legal Lot Number	22
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HIGHLANDS
Census Block Group	2
Census Block	2002
Census Tract	800101

Owner

Source: Monmouth County and Highlands Borough records, as of October 19, 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 SEADRIFT AVE, HIGHLANDS, NJ 07732-1508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2021	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
May 3, 2019	Deed of Trust, Mortgage · Conventional with PMI BANK OF AMERICA
Feb 10, 2017	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA
Dec 6, 2018	Grant Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2021 · Amount on Record
Deed Sale	Jul 7, 2021 · Amount on Record
Prior Sale	Oct 8, 2015
Deed Document Number	2021104910
Deed Book / Page	9525 / 7404
Prior Transfer Date	Jul 16, 2015
Prior Transfer Doc	0000093699
Record Updated	Oct 29, 2026

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Jul 7, 2021
Property Address	45 SEADRIFT AVE, HIGHLANDS, NJ 07732-1508
Document Number	0095257404
Book / Page	9525 / 7404
Instrument Date	May 26, 2021
Instrument	2021104910
Transaction Type	Transfer
Record Updated	Sep 13, 2021
Title Company	COUNSELLORS TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,215.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	361 DANIELE DR, 361, OCEAN, NJ 07712-7905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 SEADRIFT AVE, HIGHLANDS, NJ 07732-1508

Mortgage

Document Number	2021104911
Date	Jul 7, 2021
Instrument	2021104911

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	45 SEADRIFT AVE, HIGHLANDS, NJ 07732-1508
Document Number	0000042737
Instrument Date	May 3, 2019
Transaction Type	Mortgage
Record Updated	Jun 20, 2019
Title Company	AMERICAN LAND TITLE ASSOCIATION, AMERICAN LAND TITLE ASSN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 SEADRIFT AVE HIGHLANDS NJ 077321508, HIGHLANDS, NJ 07732-1508

Mortgage

Document Number	0000042737
Date	May 15, 2019
Book Page	009348/003884
Instrument	42737

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2049

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Feb 10, 2017
Property Address	45 SEADRIFT AVE, HIGHLANDS, NJ 07732-1508
Document Number	0000016071
Book / Page	009212 / 006840
Instrument Date	Jan 27, 2017
Instrument	16071
Transaction Type	Transfer
Record Updated	Aug 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 SEADRIFT AVE HIGHLANDS NJ 077321508, HIGHLANDS, NJ 07732-1508

Mortgage

Document Number	16072
Date	Feb 10, 2017
Book Page	009212/006854
Instrument	16072

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 9, 2047

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Dec 6, 2018
Property Address	45 SEADRIFT AVE, HIGHLANDS, NJ 07732-1508
Document Number	0000117070
Book / Page	009323 / 008801
Instrument Date	Jan 27, 2017
Instrument	117070
Transaction Type	Transfer
Record Updated	Dec 28, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$220.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 SEADRIFT AVE HIGHLANDS NJ 077321508, HIGHLANDS, NJ 07732-1508

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		$495,700 (+23.65%) Land $350,100 Building $145,600	$495,700 (+23.65%) Land $350,100 Building $145,600
2025	$6,855.00 (+13.36%)	$400,900 (+42.92%) Land $256,600 Building $144,300	$400,900 (+42.92%) Land $256,600 Building $144,300
2024	$6,047.00 (+25.12%)
2023		$280,500 Land $144,700 Building $135,800	$280,500 Land $144,700 Building $135,800
2022	$4,833.00

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	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 540 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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