471 Locust Point Rd, Rumson, NJ 07760 Property Records

Monmouth County and Middletown Township property record for 471 Locust Point Rd, Rumson, NJ 07760

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,738 sqft · built 1908
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$735,000 (Jun 2015)
Tax Bill	$19,063 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Aug 2022 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`32-00841-0000-00009`

Property Details

APN / Parcel Number

Primary APN	`32-00841-0000-00009`
Alternative APNs	`320084100009` `193`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,738 sqft Living Area
1st Floor Area	1,798 sqft
Upper Floors Area	527 sqft
Basement Area	930 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	16,988 sqft (0.39 acres)
Porch	Open Porch
Patio Area	180 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Septic

Location & Zoning

Account Number	193
Street Address	471 LOCUST POINT RD
City	RUMSON
State	NJ
Zip	07760-2319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R110
Legal Description	ADDITIONAL LOTS: 9.01 (GRANT)
Legal Block	841
Legal Lot Number	9
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	471 LOCUST POINT RD, RUMSON, NJ 07760-2319
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2022	Deed of Trust, Mortgage · Line of Credit CITY NATIONAL BANK
Aug 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage CITY NATIONAL BANK
May 30, 2020	Deed of Trust, Mortgage · Line of Credit TD BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2015 · Amount on Record
Deed Sale	Jun 26, 2015 · Amount on Record
Prior Sale	Jan 23, 2012 · Amount on Record
Deed Document Number	201558150
Deed Book / Page	9119 / 6471
Prior Transfer Date	Dec 6, 2007
Prior Transfer Doc	0000164504
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	471 LOCUST POINT RD, RUMSON, NJ 07760-2319
Transaction Type	Mortgage
Record Updated	Sep 28, 2022
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	471 LOCUST POINT RD, RUMSON, NJ 07760-2319

Mortgage

Document Number	0096153000
Date	Sep 14, 2022
Book Page	9615/3000
Instrument	2022093877

Lender

Name	CITY NATIONAL BANK
Type	Bank
Address	LOS ANGELES, CA 90071

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Jul 21, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	471 LOCUST POINT RD, RUMSON, NJ 07760-2319
Transaction Type	Mortgage
Record Updated	Sep 8, 2022
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0096109210
Date	Aug 17, 2022
Book Page	9610/9210
Instrument	2022084622

Lender

Name	CITY NATIONAL BANK
Type	Bank
Address	LOS ANGELES, CA 90071

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	471 LOCUST POINT RD, RUMSON, NJ 07760-2319
Document Number	0000071931
Instrument Date	May 30, 2020
Transaction Type	Mortgage
Record Updated	Sep 9, 2020
Title Company	SERVICELINK TITLE COMPANY LLC, SERVICELINK TITLE CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	471 LOCUST POINT RD RUMSON NJ 077602319, RUMSON, NJ 07760-2319

Mortgage

Document Number	0000071931
Date	Jul 6, 2020
Book Page	009425/002252
Instrument	71931

Lender

Name	TD BK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2050

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		$1,213,900 (+2.78%) Land $756,400 Building $457,500	$1,213,900 (+2.78%) Land $756,400 Building $457,500
2025	$19,063.00 (+7.13%)	$1,181,100 (+26.15%) Land $727,800 Building $453,300	$1,181,100 (+26.15%) Land $727,800 Building $453,300
2024	$17,795.00 (+8.45%)
2023		$936,300 Land $572,300 Building $364,000	$936,300 Land $572,300 Building $364,000
2022	$16,408.00

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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
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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