653 Locust Point Rd, Rumson, NJ 07760 Property Records

Monmouth County and Middletown Township property record for 653 Locust Point Rd, Rumson, NJ 07760

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,762 sqft · built 2000
Lot Size	0.769 acres (33,480 sqft)
Owner	2 Individual Names on File
Last Sale	$815,000 (Nov 2020)
Tax Bill	$14,930 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`32-00840-03-00036`

Property Details

APN / Parcel Number

Primary APN	`32-00840-03-00036`
Alternative APNs	`3200840000300036` `499`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,762 sqft Living Area
1st Floor Area	1,756 sqft
Upper Floors Area	1,413 sqft
Basement Area	1,265 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Hip
Roof Material	Other
Lot Area	33,480 sqft (0.769 acres)
Lot Dimensions	360 ft deep x 93 ft wide
Garage Type	Built-in
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Deck Area	160 sqft
Patio Area	617 sqft
Shed	1 Shed
Shed Area	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	499
Street Address	653 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	36
Jurisdiction	MONMOUTH NJ
Township / Civil Division	MIDDLETOWN
Census Block Group	4
Census Block	4028
Census Tract	800900

Owner

653 Locust Point Rd is owned and occupied by two individuals who bought it in November 2020.

Source: Monmouth County and Middletown Township records, as of July 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	653 LOCUST POINT RD, RUMSON, NJ 07760-2341
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2020 · Amount on File
Deed Sale	Nov 5, 2020 · Amount on File
Prior Sale	Jun 14, 2012 · Amount on File
Deed Document Number	2020130191
Deed Book / Page	9454 / 6440
Record Updated	Oct 29, 2026

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Nov 5, 2020
Property Address	653 LOCUST POINT RD, RUMSON, NJ 07760-2341
Document Number	0000130191
Book / Page	009454 / 006440
Instrument Date	Aug 7, 2020
Instrument	130191
Transaction Type	Transfer
Record Updated	Nov 24, 2020
Title Company	TITLE LINK LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$815.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	653 LOCUST POINT RD LOCUST NJ 077602341, LOCUST, NJ 07760-2341

Mortgage

Document Number	130192
Date	Nov 5, 2020
Book Page	009454/006532
Instrument	130192

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 4, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 653 Locust Point Rd was $14,930, down 1.9% from the year before.

Source: Monmouth County and Middletown Township assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
County Subdivision	Middletown Township
Unified School District	Middletown Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$962,200 (+4.02%) Land $582,300 Building $379,900	$962,200 (+4.02%) Land $582,300 Building $379,900
2025	$14,930.00 (-1.88%)	$925,000 Land $550,900 Building $374,100	$925,000 Land $550,900 Building $374,100
2024	$15,216.00
2023		$925,000 Land $345,500 Building $579,500	$925,000 Land $345,500 Building $579,500
2022	$15,079.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 653 Locust Point Rd in Zone X, an area of moderate flood risk, though there have been 4 flood claims nearby since 1992.

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	Hurricane Sandy, Oct 2012 · 3 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

Wildfire risk around 653 Locust Point Rd is low, with a 0.06% annual chance of wildfire.

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.

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 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