463 Locust Point Rd, Rumson, NJ 07760 Property Records

Monmouth County and Middletown Township property record for 463 Locust Point Rd, Rumson, NJ 07760

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,956 sqft · built 1909
Lot Size	0.709 acres (30,894 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,170,000 (Nov 2015)
Tax Bill	$28,715 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Nov 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`32-00841-0000-00012`

Property Details

APN / Parcel Number

Primary APN	`32-00841-0000-00012`
Alternative APNs	`320084100012` `442`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,956 sqft Living Area
1st Floor Area	1,728 sqft
Upper Floors Area	1,008 sqft
Basement Area	684 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Architectural Style	Colonial
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	30,894 sqft (0.709 acres)
Lot Dimensions	271 ft deep x 114 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	1,116 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	442
Street Address	463 LOCUST POINT RD
City	RUMSON
State	NJ
Zip	07760-2319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R110
Legal Block	841
Legal Lot Number	12
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, 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	2 Individual Names on Record
Mailing Address	463 LOCUST POINT RD, RUMSON, NJ 07760-2319
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Nov 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
May 27, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2015 · Amount on Record
Deed Sale	Nov 19, 2015 · Amount on Record
Deed Document Number	2015107629
Deed Book / Page	9141 / 2699
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	463 LOCUST POINT RD, RUMSON, NJ 07760-2319
Transaction Type	Mortgage
Record Updated	Dec 25, 2025
Title Company	UNKNOWN, TITLE365 COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0097683093
Date	Dec 1, 2025
Book Page	9768/3093
Instrument	2025095935

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 20, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	463 LOCUST POINT RD, RUMSON, NJ 07760-2319
Transaction Type	Mortgage
Record Updated	Nov 24, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	463 LOCUST RD, RUMSON, NJ 07760

Mortgage

Document Number	0097641740
Date	Nov 5, 2025
Book Page	9764/1740
Instrument	2025088300

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Nov 1, 2035
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.7%
Index	SOFR Average 30-Day
Max Rate	10.7%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	463 LOCUST POINT RD, RUMSON, NJ 07760-2319
Document Number	0000056162
Book / Page	009230 / 008149
Instrument Date	May 27, 2017
Transaction Type	Mortgage
Record Updated	Jul 6, 2017
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	463 LOCUST POINT RD LOCUST NJ 077602319, LOCUST, NJ 07760-2319

Mortgage

Document Number	0000056162
Date	Jun 12, 2017
Book Page	009230/008149
Instrument	56162

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Monmouth County and Middletown Township assessment roll, as of July 9, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,782,700 (+0.2%) Land $1,378,800 Building $403,900	$1,782,700 (+0.2%) Land $1,378,800 Building $403,900
2025	$28,715.00 (+17.87%) Veteran's exemption	$1,779,100 (+31.62%) Land $1,378,800 Building $400,300	$1,779,100 (+31.62%) Land $1,378,800 Building $400,300
2024	$24,362.00 (-2.18%)
2023		$1,351,700 Land $1,021,500 Building $330,200	$1,351,700 Land $1,021,500 Building $330,200
2022	$24,905.00

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	13 (1984–2012)
Claims Outside the SFHA	9 of 13
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Hurricane Sandy, Oct 2012 · 7 claims Hurricane Irene, Aug 2011 · 3 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	Moderate above 43% of the US · above 62% of New Jersey
Wildfire Likelihood	0.04% 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 45 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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