Monmouth County and Rumson Borough property record for 46 Ridge Rd, Rumson, NJ 07760 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 2003 |
| Square Footage | 3,558 sqft Living Area |
| Lot Size | 14,358 sqft (0.33 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $1,575,000 (2025) |
| Tax Bill | $19,103.00 (2025) |
| Primary APN | 41-00061-0000-00020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 8 Rooms |
| Building Area | 3,558 sqft Living Area |
| 1st Floor | 1,937 sqft 1st Floor |
| Upper Floors | 1,967 sqft Upper Floors |
| Basement Area | 1,567 sqft Basement |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Colonial Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Other (not Classified) Roof |
| Lot Area | 14,358 sqft (0.33 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Area | 346 sqft Garage |
| Pool Type | Spa/Hot Tub (Only) Pool Type |
|---|---|
| Deck Area | 616 sqft Deck |
| Patio Area | 256 sqft Patio |
| Porch | Open Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 110200 |
|---|---|
| Street Address | 46 RIDGE RD |
| City | RUMSON |
| State | NJ |
| Zip | 07760-1831 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 61 |
| Legal Lot Number | 20 |
| Jurisdiction | MONMOUTH NJ |
| Minor Civil Division | RUMSON |
| Census Blockgroup | 1 |
| Census Block | 1013 |
| Census Tract | 803900 |
Source: Monmouth County and Rumson Borough records · APN 41-00061-0000-00020
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 | 46 RIDGE RD, RUMSON, NJ 07760-1831 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| May 06, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK INC |
| Apr 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK INC |
| Feb 28, 2025 | Deed, Transfer · Conventional Mortgage CITIZENS BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 28, 2025 · Amount on Record |
| Deed Sale | Feb 28, 2025 · Amount on Record |
| Prior Sale | Sep 01, 2004 · Amount on Record |
| Deed Doc Number | 202516798 |
| Deed Book / Page | 9727 / 7174 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | May 06, 2026 |
| Property Address | 46 RIDGE RD, RUMSON, NJ 07760-1831 |
| Document Number | 0000037180 |
| Book / Page | 9792 / 1702 |
| Instrument Date | May 05, 2026 |
| Instrument | 202637180 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 46 RIDGE RD, RUMSON, NJ 07760-1831 |
| Document Number | 0000037180, |
|---|---|
| Date | May 06, 2026 |
| Book Page | 9792/1702 |
| Instrument | 202637180 |
| Name | CITIZENS BANK INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Apr 30, 2051 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Apr 13, 2026 |
| Property Address | 46 RIDGE RD, RUMSON, NJ 07760-1831 |
| Document Number | 0000030103 |
| Book / Page | 9788 / 5924 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 202630103 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 46 RIDGE RD, RUMSON, NJ 07760-1831 |
| Document Number | 0000030103, |
|---|---|
| Date | Apr 13, 2026 |
| Book Page | 9788/5924 |
| Instrument | 202630103 |
| Name | CITIZENS BANK INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.88% |
| Initial Type | Adjustable Rate |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Feb 28, 2025 |
| Property Address | 46 RIDGE RD, RUMSON, NJ 07760-1831 |
| Document Number | 0097277174 |
| Book / Page | 9727 / 7174 |
| Instrument Date | Feb 21, 2025 |
| Instrument | 2025016798 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2025 |
| Title Company | TRIDENT ABSTRACT TITLE AGENCY LLC, TRIDENT ABSTRACT TTL AGCY LL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $24,335.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 47 DANA PLACE RD # RD1, RD1, JACKSON, NH 03846-5034 |
| Name | Verified Name |
|---|---|
| Address | 46 RIDGE RD, RUMSON, NJ 07760-1831 |
| Document Number | 2025016799 |
|---|---|
| Date | Feb 28, 2025 |
| Instrument | 2025016799 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.62% |
| Type Change Date | Mar 01, 2035 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11.6% |
| Index | SOFR Average 30-Day |
| Max Rate | 11.6% |
Source: Monmouth County and Rumson Borough records · Assessment roll updated July 9, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| Municipality | Rumson Borough |
| Elementary School District | Rumson Borough School District (KG - 08) |
| Secondary School District | Rumson-Fair Haven Regional School District (09 - 12) |
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 | $1,750,000 (-3.9%) Land $990,700 Building $759,300 | $1,750,000 (-3.9%) Land $990,700 Building $759,300 | |
| 2025 | $19,103.00 (+3.76%) | $1,821,100 (+15.26%) Land $920,900 Building $900,200 | $1,821,100 (+15.26%) Land $920,900 Building $900,200 |
| 2024 | $18,410.00 (-1.77%) | ||
| 2023 | $1,580,000 Land $818,800 Building $761,200 | $1,580,000 Land $818,800 Building $761,200 | |
| 2022 | $18,742.00 |
Source: FEMA National Flood Hazard Layer, Monmouth County (34025C), updated September 18, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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