Monmouth County and Middletown Township property record for 645 Locust Point Rd, Rumson, NJ 07760
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,462 sqft · built 1959 |
| Lot Size | 0.801 acres (34,875 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $149,000 (Jul 1994) |
| Tax Bill | $14,110 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 32-00840-03-00034 |
| Primary APN | 32-00840-03-00034 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,462 sqft Living Area |
| 1st Floor Area | 2,462 sqft |
| Upper Floors Area | 1,393 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 34,875 sqft (0.801 acres) |
| Lot Dimensions | 375 ft deep x 93 ft wide |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Spa / Hot Tub (No Pool) |
| Porch | Open Porch |
| Deck Area | 450 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Old Parcel Number | 3201429000000053 |
|---|---|
| Street Address | 645 LOCUST POINT RD |
| City | RUMSON |
| State | NJ |
| Zip | 07760-2341 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R110 |
| Legal Subdivision | CHARLES LUFBURROW ESTATES |
| Legal Block | 840.3 |
| Legal Lot Number | 34 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 645 LOCUST POINT RD, RUMSON, NJ 07760-2341 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 3, 2022 | Deed of Trust, Mortgage · Line of Credit OCEANFIRST BANK |
| Jan 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage OCEANFIRST BK |
| Dec 4, 2018 | Deed of Trust, Mortgage · Conventional Mortgage OCEANFIRST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 25, 1994 · Amount on Record |
| Deed Sale | Jul 25, 1994 · Amount on Record |
| Deed Book / Page | 5331 / 211 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 645 LOCUST POINT RD, RUMSON, NJ 07760-2341 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2022 |
| Title Company | CORPORATE SETTLEMENT SLN |
| Name | Verified Name |
|---|
| Document Number | 0096180363 |
|---|---|
| Date | Oct 3, 2022 |
| Book Page | 9618/363 |
| Instrument | 2022099494 |
| Name | OCEANFIRST BANK |
|---|---|
| Type | Bank |
| Address | TOMS RIVER, NJ 08753 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Sep 24, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 645 LOCUST POINT RD, RUMSON, NJ 07760-2341 |
| Document Number | 0000008623 |
| Instrument Date | Jan 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2020 |
| Title Company | BREAK WATER TITLE AGENCY LLC, BREAK WATER TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 645 LOCUST POINT RD LOCUST NJ 077602341, LOCUST, NJ 07760-2341 |
| Document Number | 0000008623 |
|---|---|
| Date | Jan 23, 2020 |
| Book Page | 009392/008534 |
| Instrument | 8623 |
| Name | OCEANFIRST BK |
|---|---|
| Type | Bank |
| Address | TOMS RIVER, NJ 08753 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 22, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 645 LOCUST POINT RD, RUMSON, NJ 07760-2341 |
| Document Number | 0000119849 |
| Instrument Date | Dec 4, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2018 |
| Title Company | BREAK WATER TITLE AGENCY LLC, BREAK WATER TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 645 LOCUST POINT RD LOCUST NJ 077602341, LOCUST, NJ 07760-2341 |
| Document Number | 0000119849 |
|---|---|
| Date | Dec 13, 2018 |
| Book Page | 009327/000690 |
| Instrument | 119849 |
| Name | OCEANFIRST BK |
|---|---|
| Type | Bank |
| Address | TOMS RIVER, NJ 08753 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 12, 2028 |
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 | $909,600 (+4.05%) Land $595,700 Building $313,900 | $909,600 (+4.05%) Land $595,700 Building $313,900 | |
| 2025 | $14,110.00 (+19.77%) | $874,200 (+29.47%) Land $563,200 Building $311,000 | $874,200 (+29.47%) Land $563,200 Building $311,000 |
| 2024 | $11,781.00 (+17.69%) | ||
| 2023 | $675,200 Land $340,400 Building $334,800 | $675,200 Land $340,400 Building $334,800 | |
| 2022 | $10,010.00 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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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