Monmouth County and Middletown Township property record for 641 Locust Point Rd, Rumson, NJ 07760
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,660 sqft · built 1955 |
| Lot Size | 0.846 acres (36,828 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $12,481 (2025) |
| Deeds & Mortgages | Feb 2020 Mortgage Nov 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-00840-03-00033 |
| Primary APN | 32-00840-03-00033 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,660 sqft Living Area |
| 1st Floor Area | 1,660 sqft |
| Basement Area | 960 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 36,828 sqft (0.846 acres) |
| Lot Dimensions | 396 ft deep x 93 ft wide |
| Pool Area | 512 sqft |
|---|---|
| Deck Area | 180 sqft |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 37 |
|---|---|
| Street Address | 641 LOCUST POINT RD |
| City | RUMSON |
| State | NJ |
| Zip | 07760-2341 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R110 |
| Legal Block | 840.3 |
| Legal Lot Number | 33 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | MIDDLETOWN |
| Census Block Group | 4 |
| Census Block | 4028 |
| Census Tract | 800900 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 641 LOCUST POINT RD, RUMSON, NJ 07760-2341 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MR COOPER |
| Nov 14, 2018 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 641 LOCUST POINT RD, RUMSON, NJ 07760-2341 |
| Document Number | 0000026972 |
| Instrument Date | Feb 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 641 LOCUST POINT RD RUMSON NJ 077602341, RUMSON, NJ 07760-2341 |
| Document Number | 0000026972 |
|---|---|
| Date | Mar 9, 2020 |
| Book Page | 009401/006658 |
| Instrument | 26972 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 8, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 641 LOCUST POINT RD, RUMSON, NJ 07760-2341 |
| Document Number | 0000115138 |
| Instrument Date | Nov 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2018 |
| Title Company | TITLE TRUST |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 641 LOCUST POINT RD RUMSON NJ 077602341, RUMSON, NJ 07760-2341 |
| Document Number | 0000115138 |
|---|---|
| Date | Dec 3, 2018 |
| Book Page | 009322/009224 |
| Instrument | 115138 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 2, 2048 |
Source: Monmouth County and Middletown Township assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| County Subdivision | Middletown Township |
| Unified School District | Middletown Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $808,200 (+4.51%) Land $612,000 Building $196,200 | $808,200 (+4.51%) Land $612,000 Building $196,200 | |
| 2025 | $12,481.00 (+25.41%) | $773,300 (+57.05%) Land $578,900 Building $194,400 | $773,300 (+57.05%) Land $578,900 Building $194,400 |
| 2024 | $9,952.00 (+48.23%) | ||
| 2023 | $492,400 Land $343,000 Building $149,400 | $492,400 Land $343,000 Building $149,400 | |
| 2022 | $6,714.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 4 (1992–2012) |
| Claims Outside the SFHA | 1 of 4 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 58% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 284 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 |
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