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6 Locust St, Highlands, NJ 07732 Property Records

Monmouth County and Highlands Borough property record for 6 Locust St, Highlands, NJ 07732

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,176 sqft · built 1935
Lot Size0.115 acres (5,001 sqft)
OwnerCompany Name on Record
Last Sale$450,000 (Jan 2022)
Tax Bill$10,665 (2025)
Deeds & MortgagesOct 2022 Mortgage
Jan 2022 Sale
Flood ZoneZone AE (high risk)
APN19-00102-0000-00003-01

Property Details

APN / Parcel Number

Primary APN19-00102-0000-00003-01
Alternative APNs
  • 19001020000000030001
  • 00020920

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms5 Rooms
Stories1 Story
Building Area1,176 sqft Living Area
1st Floor Area1,176 sqft

Exterior

Year BuiltBuilt 1935
Effective Year BuiltEffective 1935
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialOther
Lot Area5,001 sqft (0.115 acres)
Lot Dimensions100 ft deep x 50 ft wide

Exterior Amenities

Pool TypeSpa / Hot Tub (No Pool)
PorchOpen Porch
Deck Area50 sqft
Patio Area180 sqft
Shed1 Shed
Shed Area96 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemFloor/Wall Furnace

Location & Zoning

Account Number00020920
Street Address6 LOCUST ST
CityHIGHLANDS
StateNJ
Zip07732-1009
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSF10
Legal Block102
Legal Lot Number3.1
JurisdictionMONMOUTH NJ
Township / Civil DivisionHIGHLANDS
Census Block Group1
Census Block1003
Census Tract800101

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 RecordCompany Name on Record
Mailing Address47 RECKLESS PL, RED BANK, NJ 07701-1750
Owner TypeCompany
VestingLimited Liability Company

Deeds, Mortgages & Sale History

DateDocument
Oct 11, 2022Intrafamily Transfer, Transfer · Commercial Mortgage
OCEANFIRST BANK
Jan 5, 2022Deed, Transfer
BREAK WATER TITLE AGENCY LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 5, 2022 · Amount on Record
Deed SaleJan 5, 2022 · Amount on Record
Deed Document Number20221095
Deed Book / Page9569 / 7887
Last Transfer DateAug 22, 2022
Transfer Doc0096191048
Record UpdatedSep 20, 2026

October 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONMOUTH NJ
Recording DateOct 11, 2022
Property Address6 LOCUST ST, HIGHLANDS, NJ 07732-1009
Document Number0096191048
Book / Page9619 / 1048
Instrument DateAug 22, 2022
Instrument2022101556
Transaction TypeTransfer
Record UpdatedDec 12, 2022
Title CompanyBREAK WATER TITLE AGENCY LLC, BREAKWATER TITLE AGENCY LLC

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address47 RECKLESS PL, 47, RED BANK, NJ 07701-1750

Transferred To (Grantee/Buyer)

NameVerified Name
Address47 RECKLESS PL, RED BANK, NJ 07701-1750

Mortgage

Document Number2022101557
DateOct 11, 2022
Instrument2022101557
Lender
NameOCEANFIRST BANK
TypeBank
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

January 2022: Deed, Transfer

Document TypeDeed
JurisdictionMONMOUTH NJ
Recording DateJan 5, 2022
Property Address6 LOCUST ST, HIGHLANDS, NJ 07732-1009
Document Number0095697887
Book / Page9569 / 7887
Instrument DateDec 6, 2021
Instrument2022001095
Transaction TypeTransfer
Record UpdatedJan 18, 2022
Title CompanyBREAK WATER TITLE AGENCY LLC

Transaction

AmountAmount Recorded
Tax$3,695.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address464 WEST ST, 464, LONG BRANCH, NJ 07740-7724

Transferred To (Grantee/Buyer)

NameVerified Name
Address47 RECKLESS PL, RED BANK, NJ 07701-1750

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew Jersey
CountyMonmouth County
MunicipalityHighlands Borough
Unified School DistrictHenry Hudson Regional School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$643,100 (+3.11%) Land $319,600 Building $323,500$643,100 (+3.11%) Land $319,600 Building $323,500
2025$10,665.00 (+20.41%)$623,700 (+45.79%) Land $303,100 Building $320,600$623,700 (+45.79%) Land $303,100 Building $320,600
2024$8,857.00 (+48.31%)
2023$427,800 Land $120,400 Building $307,400$427,800 Land $120,400 Building $307,400
2022$5,972.00

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation11.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 131 individual policies
Nearby Flood Policies418 units insured
incl. 287 condo units
Nearby Flood Claims76 (1991–2019)
Claims Outside the SFHA3 of 76
Most Recent ClaimMar 2019 · other causes
Claims by Event
  • Hurricane Sandy, Oct 2012 · 54 claims
  • Hurricane Irene, Aug 2011 · 9 claims
  • Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 8 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 RiskNot 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 SystemNJ AMERICAN WATER - COASTAL NORTH
private · serves 377,613 people · EPA ID NJ1345001
Water SourceSurface water
Last State InspectionSep 2023
Lead2 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityTurbidity
resolved · Sep 2019
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 194 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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