5 Center St, Rumson, NJ 07760 Property Records

Monmouth County and Rumson Borough property record for 5 Center St, Rumson, NJ 07760

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,692 sqft · built 1962
Lot Size	0.145 acres (6,299 sqft)
Owner	2 Individual Names on File
Last Sale	$128,000 (Mar 1995)
Tax Bill	$12,580 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`41-00053-0000-00012`

Property Details

APN / Parcel Number

Primary APN	`41-00053-0000-00012`
Alternative APNs	`410005300012` `101100`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,692 sqft Living Area
1st Floor Area	2,692 sqft
Upper Floors Area	1,326 sqft
Basement Area	690 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	6,299 sqft (0.145 acres)
Lot Dimensions	126 ft deep x 50 ft wide
Garage Type	Built-in
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Patio Area	336 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	101100
Street Address	5 CENTER ST
City	RUMSON
State	NJ
Zip	07760-1712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF05
Legal Block	53
Legal Lot Number	12
Jurisdiction	MONMOUTH NJ
Township / Civil Division	RUMSON
Census Block Group	3
Census Block	3010
Census Tract	803900

Owner

5 Center St is owned and occupied by two individuals who bought it in March 1995.

Source: Monmouth County and Rumson Borough records, as of July 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5 CENTER ST, RUMSON, NJ 07760-1712
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	2 Names on Deed
Last Sale	Mar 1, 1995 · Amount on File
Deed Sale	Mar 1, 1995 · Amount on File
Deed Book / Page	5391 / 188
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	5 CENTER ST, RUMSON, NJ 07760-1712
Document Number	0000004050
Instrument Date	Oct 15, 2020
Transaction Type	Mortgage
Record Updated	Feb 8, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5 CENTER ST RUMSON NJ 077601712, RUMSON, NJ 07760-1712

Mortgage

Document Number	0000004050
Date	Jan 7, 2021
Book Page	009471/000344
Instrument	4050

Lender

Name	ALLEGACY FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27114-6043

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 6, 2031

Tax Assessment & Valuation

The 2025 property tax bill for 5 Center St was $12,580, up 3.8% from the year before.

Source: Monmouth County and Rumson Borough assessment roll, as of July 9, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,336,300 (+11.43%) Land $789,000 Building $547,300	$1,336,300 (+11.43%) Land $789,000 Building $547,300
2025	$12,580.00 (+3.77%)	$1,199,200 Land $733,400 Building $465,800	$1,199,200 Land $733,400 Building $465,800
2024	$12,123.00
2023		$1,035,500 Land $651,200 Building $384,300	$1,035,500 Land $651,200 Building $384,300
2022	$12,097.00

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

Flood

FEMA maps place 5 Center St 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 66 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	75 units insured incl. 9 condo units
Nearby Flood Claims	165 (1978–2024)
Claims Outside the SFHA	30 of 165
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Sandy, Nov 2012 · 66 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 42 claims Coastal Storms & Flooding, Apr 1984 · 11 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

The area around 5 Center St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20