528 Locust Point Rd, Rumson, NJ 07760 Property Records

Monmouth County and Middletown Township property record for 528 Locust Point Rd, Rumson, NJ 07760

Property Summary

Property Type	Single Family Home
Details	6 bd · 2.5 ba · 6,396 sqft · built 1923
Lot Size	2.93 acres (127,631 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Dec 1999)
Tax Bill	$37,634 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32-00840-0000-00027`

Property Details

APN / Parcel Number

Primary APN	`32-00840-0000-00027`
Alternative APNs	`3200474000000034` `320084000027`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	6,396 sqft Living Area
1st Floor Area	3,746 sqft
Upper Floors Area	2,360 sqft
Basement Area	2,726 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Colonial
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	127,631 sqft
Garage Area	1,740 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Pool Area	800 sqft
Porch	Open Porch
Deck Area	300 sqft
Patio Area	901 sqft
Shed	1 Shed
Shed Area	130 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Old Parcel Number	3200474000000034
Street Address	528 LOCUST POINT RD
City	RUMSON
State	NJ
Zip	07760-2366
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R110
Legal Block	840
Legal Lot Number	27
Jurisdiction	MONMOUTH NJ
Township / Civil Division	MIDDLETOWN
Census Block Group	1
Census Block	1004
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	528 LOCUST POINT RD, RUMSON, NJ 07760-2366
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2019	Deed of Trust, Mortgage EQUITY PRIME MTG
Jul 6, 2019	Deed of Trust, Mortgage EQUITY PRIME MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 1999 · Amount on Record
Deed Sale	Dec 22, 1999 · Amount on Record
Prior Sale	Jun 26, 1997 · Amount on Record
Deed Book / Page	5889 / 686
Prior Transfer Date	Oct 26, 1993
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	528 LOCUST POINT RD, RUMSON, NJ 07760-2366
Document Number	0000083631
Instrument Date	Aug 30, 2019
Transaction Type	Mortgage
Record Updated	Jun 11, 2021
Title Company	LANDGUARD TITLE SERVICES LLC, LANDGUARD TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	528 LOCUST POINT RD RUMSON NJ 077602366, RUMSON, NJ 07760-2366

Mortgage

Document Number	0000083631
Date	Sep 10, 2019
Book Page	009367/006887
Instrument	83631

Lender

Name	EQUITY PRIME MTG
Address	5 CONCOURSE PKWY, ATLANTA, GA 30328-5350

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 9, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.25%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	528 LOCUST POINT RD, RUMSON, NJ 07760-2366
Document Number	0000062354
Instrument Date	Jul 6, 2019
Transaction Type	Mortgage
Record Updated	Jul 30, 2019
Title Company	LANDGUARD TITLE SERVICES LLC, LANDGUARD TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	528 LOCUST POINT RD RUMSON NJ 077602366, RUMSON, NJ 07760-2366

Mortgage

Document Number	0000062354
Date	Jul 15, 2019
Book Page	009357/006333
Instrument	62354

Lender

Name	EQUITY PRIME MTG
Address	5 CONCOURSE PARKWAY QUEEN # 2250, ATLANTA, GA 30328

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%

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		$2,657,200 (+13.96%) Land $1,192,500 Building $1,464,700	$2,657,200 (+13.96%) Land $1,192,500 Building $1,464,700
2025	$37,634.00 (+4.75%)	$2,331,700 (+27.67%) Land $880,300 Building $1,451,400	$2,331,700 (+27.67%) Land $880,300 Building $1,451,400
2024	$35,928.00 (+10.95%)
2023		$1,826,400 Land $730,100 Building $1,096,300	$1,826,400 Land $730,100 Building $1,096,300
2022	$32,383.00

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
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 50% of the US · above 67% of New Jersey
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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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