53 Cedar St, Highlands, NJ 07732 Property Records

Monmouth County and Highlands Borough property record for 53 Cedar St, Highlands, NJ 07732

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 980 sqft · built 2006
Lot Size	0.103 acres (4,487 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Sep 2019)
Tax Bill	$8,105 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`19-00070-0000-00008`

Property Details

APN / Parcel Number

Primary APN	`19-00070-0000-00008`
Alternative APNs	`190007000008` `00013340`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	980 sqft Living Area
1st Floor Area	968 sqft
Basement Area	968 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Other
Lot Area	4,487 sqft (0.103 acres)
Lot Dimensions	66 ft deep x 68 ft wide
Garage Type	Detached
Garage Area	330 sqft
Parking Spaces	1 Parking Space
Deck Area	27 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	00013340
Street Address	53 CEDAR ST
City	HIGHLANDS
State	NJ
Zip	07732-1545
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF0
Legal Subdivision	HIGHLAND REALTY CO
Legal Block	70
Legal Lot Number	8
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HIGHLANDS
Census Block Group	2
Census Block	2013
Census Tract	800101

Owner

Source: Monmouth County and Highlands Borough 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	53 CEDAR ST, HIGHLANDS, NJ 07732-1545
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Sep 5, 2019	Grant Deed, Transfer · Conventional with PMI GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2019 · Amount on Record
Deed Sale	Sep 5, 2019 · Amount on Record
Prior Sale	Nov 26, 2005 · Amount on Record
Deed Document Number	201982026
Deed Book / Page	9366 / 9111
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	53 CEDAR ST, HIGHLANDS, NJ 07732-1545
Transaction Type	Mortgage
Record Updated	Aug 18, 2022
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0095295181
Date	Jul 22, 2021
Book Page	9529/5181
Instrument	2021112086

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Type Change Date	Aug 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.5%
Index	Other
Max Rate	7.5%

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Sep 5, 2019
Property Address	53 CEDAR ST, HIGHLANDS, NJ 07732-1545
Document Number	0000082026
Book / Page	009366 / 009111
Instrument Date	Aug 9, 2019
Instrument	82026
Transaction Type	Transfer
Record Updated	Sep 30, 2019
Title Company	SUBURBAN TITLE EXAMINERS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$325.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	53 CEDAR ST HIGHLANDS NJ 077321545, HIGHLANDS, NJ 07732-1545

Mortgage

Document Number	82027
Date	Sep 5, 2019
Book Page	009366/009123
Instrument	82027

Lender

Name	GUARANTEED RATE AFFINITY LLC
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 4, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
Municipality	Highlands Borough
Unified School District	Henry Hudson Regional School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$578,000 (+21.94%) Land $334,600 Building $243,400	$578,000 (+21.94%) Land $334,600 Building $243,400
2025	$8,105.00 (+13.5%)	$474,000 (+38.31%) Land $230,100 Building $243,900	$474,000 (+38.31%) Land $230,100 Building $243,900
2024	$7,141.00 (+8.33%)
2023		$342,700 Land $124,400 Building $218,300	$342,700 Land $124,400 Building $218,300
2022	$6,592.00

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	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 271 individual policies
Nearby Flood Policies	315 units insured incl. 44 condo units
Nearby Flood Claims	183 (1992–2023)
Most Recent Claim	Sep 2023 · rainfall accumulation
Claims by Event	Hurricane Sandy, Nov 2012 · 121 claims Hurricane Irene, Aug 2011 · 37 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 10 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	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.

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 423 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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