491 Locust Point Rd, Rumson, NJ 07760 Property Records

Monmouth County and Middletown Township property record for 491 Locust Point Rd, Rumson, NJ 07760

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,899 sqft · built 1901
Lot Size	0.135 acres (5,858 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Apr 2016)
Tax Bill	$10,880 (2025)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32-00841-0000-00001`

Property Details

APN / Parcel Number

Primary APN	`32-00841-0000-00001`
Alternative APNs	`320084100001` `88`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,899 sqft Living Area
1st Floor Area	1,085 sqft
Upper Floors Area	120 sqft
Basement Area	459 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1901
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Foundation Type	Brick
Roof Type	Gambrel
Roof Material	Other
Lot Area	5,858 sqft (0.135 acres)
Lot Dimensions	101 ft deep x 58 ft wide
Garage Type	Detached
Garage Area	180 sqft
Porch	Open Porch
Shed	1 Shed
Shed Area	36 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	88
Street Address	491 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	1
Jurisdiction	MONMOUTH NJ
Township / Civil Division	MIDDLETOWN
Census Block Group	1
Census Block	1007
Census Tract	800900

Owner

491 Locust Point Rd is owned and occupied by an individual who bought it in April 2016.

Source: Monmouth County and Middletown Township records, as of July 9, 2026

Owner of Record	Individual Name on File
Mailing Address	491 LOCUST POINT RD, RUMSON, NJ 07760-2319
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2016 · Amount on File
Deed Sale	Apr 7, 2016 · Amount on File
Prior Sale	Dec 23, 2010 · Amount on File
Deed Document Number	201631425
Deed Book / Page	9159 / 9722
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	491 LOCUST POINT RD, RUMSON, NJ 07760-2319
Document Number	0000016546
Instrument Date	Jun 24, 2020
Transaction Type	Mortgage
Record Updated	May 20, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 LOCUST POINT RD LOCUST NJ 077602319, LOCUST, NJ 07760-2319

Mortgage

Document Number	0000016546
Date	Jan 28, 2021
Book Page	009477/008940
Instrument	16546

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 27, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 491 Locust Point Rd was $10,880, up 23.5% from the year before.

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		$718,100 (+6.53%) Land $570,900 Building $147,200	$718,100 (+6.53%) Land $570,900 Building $147,200
2025	$10,880.00 (+23.54%)	$674,100 Land $528,200 Building $145,900	$674,100 Land $528,200 Building $145,900
2024	$8,807.00
2023		$492,600 Land $363,100 Building $129,500	$492,600 Land $363,100 Building $129,500
2022	$8,021.00

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

Flood

FEMA maps place 491 Locust Point Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 491 Locust Point Rd is moderate, ranking above 45% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · above 64% of New Jersey
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 65 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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