Monmouth County and Middletown Township property record for 642 Locust Point Rd, Rumson, NJ 07760
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 684 sqft · built 1919 |
| Lot Size | 0.278 acres (12,101 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $505,000 (Jun 2023) |
| Tax Bill | $9,100 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Jun 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-00840-0000-00017 |
| Primary APN | 32-00840-0000-00017 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 684 sqft Living Area |
| 1st Floor Area | 684 sqft |
| Basement Area | 684 sqft |
| Year Built | Built 1919 |
|---|---|
| Effective Year Built | Effective 1919 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 12,101 sqft (0.278 acres) |
| Lot Dimensions | 220 ft deep x 55 ft wide |
| Garage Area | 324 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Heating System | Hot Water |
|---|---|
| Sewer | Connected |
| Account Number | 421 |
|---|---|
| Street Address | 642 LOCUST POINT RD |
| City | RUMSON |
| State | NJ |
| Zip | 07760-2322 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R110 |
| Legal Subdivision | CHARLES LUFBURROW ESTATE |
| Legal Block | 840 |
| Legal Lot Number | 17 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | MIDDLETOWN |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 800900 |
Source: Monmouth County and Middletown Township records, as of October 13, 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 | 642 LOCUST POINT RD, RUMSON, NJ 07760-2322 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 13, 2026 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Jun 6, 2023 | Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC |
| Mar 14, 2022 | Deed of Trust, Mortgage · Line of Credit SANTANDER BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 6, 2023 · Amount on Record |
| Deed Sale | Jun 6, 2023 · Amount on Record |
| Prior Sale | Mar 7, 2014 · Amount on Record |
| Deed Document Number | 202338246 |
| Deed Book / Page | 9647 / 1421 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | May 13, 2026 |
| Property Address | 642 LOCUST POINT RD, RUMSON, NJ 07760-2322 |
| Document Number | 0000039132 |
| Book / Page | 9793 / 1327 |
| Instrument Date | May 5, 2026 |
| Instrument | 202639132 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ROCKET CLOSE |
| Name | Verified Name |
|---|---|
| Address | 642 LOCUST POINT RD, RUMSON, NJ 07760-2322 |
| Investor | Possibly a Property Investor |
| Document Number | 0000039132, |
|---|---|
| Date | May 13, 2026 |
| Book Page | 9793/1327 |
| Instrument | 202639132 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.99% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jun 6, 2023 |
| Property Address | 642 LOCUST POINT RD, RUMSON, NJ 07760-2322 |
| Document Number | 0096471421 |
| Book / Page | 9647 / 1421 |
| Instrument Date | May 26, 2023 |
| Instrument | 2023038246 |
| Transaction Type | Transfer |
| Record Updated | Jun 27, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,223.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 604 MCCABE AVE, BRADLEY BEACH, NJ 07720-1458 |
| Name | Verified Name |
|---|---|
| Address | 642 LOCUST POINT RD, RUMSON, NJ 07760-2322 |
| Investor | Possibly a Property Investor |
| Document Number | 2023038247 |
|---|---|
| Date | Jun 6, 2023 |
| Instrument | 2023038247 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 642 LOCUST POINT RD, RUMSON, NJ 07760-2322 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2022 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 642 LOCUST POINT RD, RUMSON, NJ 07760-2322 |
| Document Number | 0095839980 |
|---|---|
| Date | Mar 14, 2022 |
| Book Page | 9583/9980 |
| Instrument | 2022029088 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Address | READING, PA 19602 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 10, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $595,300 (+5.59%) Land $525,200 Building $70,100 | $595,300 (+5.59%) Land $525,200 Building $70,100 | |
| 2025 | $9,100.00 (+29.5%) | $563,800 (+36.71%) Land $494,400 Building $69,400 | $563,800 (+36.71%) Land $494,400 Building $69,400 |
| 2024 | $7,027.00 (+25.8%) | ||
| 2023 | $412,400 (+39%) Land $297,300 Building $115,100 | $412,400 (+39%) Land $297,300 Building $115,100 | |
| 2022 | $5,586.00 (-5.56%) | $296,700 Land $185,800 Building $110,900 | $296,700 Land $185,800 Building $110,900 |
| 2021 | $5,915.00 |
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 |
| 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 |
|
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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