654 Locust Point Rd, Rumson, NJ 07760 Property Records

Monmouth County and Middletown Township property record for 654 Locust Point Rd, Rumson, NJ 07760

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,319 sqft · built 1958
Lot Size	1.51 acres (65,854 sqft)
Owner	2 Individual Names on File
Last Sale	$207,000 (May 1990)
Tax Bill	$17,593 (2025)
Deeds & Mortgages	Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32-00840-0000-00015`

Property Details

APN / Parcel Number

Primary APN	`32-00840-0000-00015`
Alternative APNs	`320084000015` `10425`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,319 sqft Living Area
1st Floor Area	2,174 sqft
Upper Floors Area	1,145 sqft
Basement Area	1,478 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Other
Lot Area	65,854 sqft
Lot Dimensions	392 ft deep x 168 ft wide
Pool Area	512 sqft
Porch	Open Porch
Deck Area	540 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10425
Street Address	654 LOCUST POINT RD
City	RUMSON
State	NJ
Zip	07760-2322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R110
Legal Description	ADDITIONAL LOTS: T/A: EXPIRES 12/10
Legal Block	840
Legal Lot Number	15
Jurisdiction	MONMOUTH NJ
Township / Civil Division	MIDDLETOWN
Census Block Group	1
Census Block	1004
Census Tract	800900

Owner

Source: Monmouth County and Middletown Township records · APN 32-00840-0000-00015

Assessment roll updated July 9, 2026 · Last verified July 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 File
Mailing Address	654 LOCUST POINT RD, RUMSON, NJ 07760-2322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 11, 1990 · Amount on Record
Deed Sale	May 11, 1990 · Amount on Record
Deed Book / Page	5001 / 772
Record Updated	Sep 20, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	654 LOCUST POINT RD, RUMSON, NJ 07760-2322
Document Number	0000106021
Book / Page	009256 / 000906
Instrument Date	Oct 06, 2017
Transaction Type	Mortgage
Record Updated	Dec 12, 2017
Title Company	ELITE LENDER SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	654 LOCUST POINT RD LOCUST NJ 077602322, LOCUST, NJ 07760-2322

Mortgage

Document Number	0000106021
Date	Oct 27, 2017
Book Page	009256/000906
Instrument	106021

Lender

Name	TIAA FSB
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 26, 2037

Tax Assessment & Valuation

Source: Monmouth County and Middletown Township records · Assessment roll updated July 9, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,271,500 (+16.65%) Land $733,000 Building $538,500	$1,271,500 (+16.65%) Land $733,000 Building $538,500
2025	$17,593.00 (+10.91%)	$1,090,000 (+8.15%) Land $556,400 Building $533,600	$1,090,000 (+8.15%) Land $556,400 Building $533,600
2024	$15,862.00 (-8.29%)
2023		$1,007,900 Land $423,500 Building $584,400	$1,007,900 Land $423,500 Building $584,400
2022	$17,295.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	Hurricane Sandy, Oct 2012 · 7 claims Hurricane Irene, Aug 2011 · 3 claims

Wildfire

Wildfire Risk	Moderate above 50% of the US · above 67% of New Jersey
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 65 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NJ AMERICAN WATER - COASTAL NORTH private · serves 377,613 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.