Monmouth County and Rumson Borough property record for 51 Ridge Rd, Rumson, NJ 07760
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,867 sqft · built 1942 |
| Lot Size | 0.242 acres (10,549 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $935,000 (Aug 2023) |
| Tax Bill | $10,420 (2025) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage Mar 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-00099-0000-00004 |
| Primary APN | 41-00099-0000-00004 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,867 sqft Living Area |
| 1st Floor Area | 1,867 sqft |
| Basement Area | 825 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 1942 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 10,549 sqft (0.242 acres) |
| Lot Depth | 150 ft Depth |
| Garage Type | Attached |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Deck Area | 617 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 178300 |
|---|---|
| Street Address | 51 RIDGE RD |
| City | RUMSON |
| State | NJ |
| Zip | 07760-1833 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF10 |
| Legal Subdivision | LOT 4WHICH CURRENTLY HAS/ADDRE |
| Legal Block | 99 |
| Legal Lot Number | 4 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | RUMSON |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 803900 |
51 Ridge Rd is owned and occupied by two individuals who bought it in August 2023.
Source: Monmouth County and Rumson Borough 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 File |
|---|---|
| Mailing Address | 51 RIDGE RD, RUMSON, NJ 07760-1833 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 22, 2023 | Deed, Transfer · Conventional Mortgage CITIZENS BANK NA |
| Mar 22, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Jul 15, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Dec 4, 2020 | Deed of Trust, Mortgage · Conventional with PMI HOMEBRIDGE FIN'L SVCS INC |
| Oct 11, 2017 | Grant Deed, Transfer · Conventional with PMI HOMEBRIDGE FIN'L SVCS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 22, 2023 · Amount on File |
| Deed Sale | Aug 22, 2023 · Amount on File |
| Prior Sale | Oct 11, 2017 · Amount on File |
| Deed Document Number | 202358073 |
| Deed Book / Page | 9656 / 9414 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Aug 22, 2023 |
| Property Address | 51 RIDGE RD, RUMSON, NJ 07760-1833 |
| Document Number | 0096569414 |
| Book / Page | 9656 / 9414 |
| Instrument Date | Jul 28, 2023 |
| Instrument | 2023058073 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2023 |
| Title Company | FOUNDATION TITLE, FOUNDATION TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,821.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 51 RIDGE RD, RUMSON, NJ 07760-1833 |
| Name | Verified Name |
|---|---|
| Address | 51 RIDGE RD, RUMSON, NJ 07760-1833 |
| Document Number | 2023058074 |
|---|---|
| Date | Aug 22, 2023 |
| Instrument | 2023058074 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 51 RIDGE RD, RUMSON, NJ 07760-1833 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2023 |
| Name | Verified Name |
|---|---|
| Address | 51 RIDGE RD, RUMSON, NJ 07760-1833 |
| Document Number | 0096383266 |
|---|---|
| Date | Mar 22, 2023 |
| Book Page | 9638/3266 |
| Instrument | 2023019897 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Mar 13, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 51 RIDGE RD, RUMSON, NJ 07760-1833 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 51 RIDGE RD, RUMSON, NJ 07760-1833 |
| Document Number | 0095277190 |
|---|---|
| Date | Jul 15, 2021 |
| Book Page | 9527/7190 |
| Instrument | 2021108437 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Jun 28, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 51 RIDGE RD, RUMSON, NJ 07760-1833 |
| Document Number | 0000154260 |
| Instrument Date | Dec 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 51 RIDGE RD RUMSON NJ 077601833, RUMSON, NJ 07760-1833 |
| Document Number | 0000154260 |
|---|---|
| Date | Dec 22, 2020 |
| Book Page | 009467/002994 |
| Instrument | 154260 |
| Name | HOMEBRIDGE FIN'L SVCS INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ISELIN, NJ 08830 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 21, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Oct 11, 2017 |
| Property Address | 51 RIDGE RD, RUMSON, NJ 07760-1833 |
| Document Number | 0000099507 |
| Book / Page | 009253 / 000313 |
| Instrument Date | Jul 20, 2017 |
| Instrument | 99507 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2017 |
| Title Company | TRUE ABSTRACT INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $625.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 51 RIDGE RD RUMSON NJ 077601833, RUMSON, NJ 07760-1833 |
| Document Number | 99508 |
|---|---|
| Date | Oct 11, 2017 |
| Book Page | 009253/000325 |
| Instrument | 99508 |
| Name | HOMEBRIDGE FIN'L SVCS INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ISELIN, NJ 08830 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 10, 2047 |
The 2025 property tax bill for 51 Ridge Rd was $10,420, up 2.7% from the year before.
Source: Monmouth County and Rumson Borough assessment roll, as of July 9, 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,103,500 (+11.09%) Land $976,500 Building $127,000 | $1,103,500 (+11.09%) Land $976,500 Building $127,000 | |
| 2025 | $10,420.00 (+2.68%) | $993,300 Land $885,200 Building $108,100 | $993,300 Land $885,200 Building $108,100 |
| 2024 | $10,148.00 | ||
| 2023 | $864,000 (+12.79%) Land $789,200 Building $74,800 | $864,000 (+12.79%) Land $789,200 Building $74,800 | |
| 2022 | $9,858.00 (+3.71%) | $766,000 Land $695,700 Building $70,300 | $766,000 Land $695,700 Building $70,300 |
| 2021 | $9,505.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 51 Ridge Rd in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 1978.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 22 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 17 (1978–2012) |
| Claims Outside the SFHA | 5 of 17 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
| Claims by Event |
|
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 risk around 51 Ridge Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.5% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 294 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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