657 Locust Point Rd, Rumson, NJ 07760 Property Records

Monmouth County and Middletown Township property record for 657 Locust Point Rd, Rumson, NJ 07760

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,296 sqft · built 1977
Lot Size	0.747 acres (32,550 sqft)
Owner	Individual Name on Record
Last Sale	$445,000 (Aug 2020)
Tax Bill	$13,629 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`32-00840-03-00037`

Property Details

APN / Parcel Number

Primary APN	`32-00840-03-00037`
Alternative APNs	`3200840000300037` `299`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	2,296 sqft Living Area
1st Floor Area	1,248 sqft
Upper Floors Area	1,382 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Bi-Level
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	32,550 sqft (0.747 acres)
Lot Dimensions	350 ft deep x 93 ft wide
Garage Type	Built-in
Garage Area	286 sqft
Parking Spaces	1 Parking Space
Deck Area	240 sqft
Patio Area	576 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	299
Street Address	657 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	TOWNSHIP/MIDDLETOWN
Legal Block	840.3
Legal Lot Number	37
Jurisdiction	MONMOUTH NJ
Township / Civil Division	MIDDLETOWN
Census Block Group	4
Census Block	4029
Census Tract	800900

Owner

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	657 LOCUST POINT RD, RUMSON, NJ 07760-2341
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2020 · Amount on Record
Deed Sale	Aug 31, 2020 · Amount on Record
Deed Document Number	202097713
Deed Book / Page	9437 / 4885
Record Updated	Sep 20, 2026

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Aug 31, 2020
Property Address	657 LOCUST POINT RD, RUMSON, NJ 07760-2341
Document Number	0000097713
Book / Page	009437 / 004885
Instrument Date	Aug 13, 2020
Instrument	97713
Transaction Type	Transfer
Record Updated	Oct 5, 2020
Title Company	ATLANTIC TITLE AND SETTLEMENT SV, ATLANTIC TITLE & SETTLEMENT SV

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$445.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	657 LOCUST POINT RD LOCUST NJ 077602341, LOCUST, NJ 07760-2341

Mortgage

Document Number	97714
Date	Aug 31, 2020
Book Page	009437/004892
Instrument	97714

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	468 Months
Due	Aug 30, 2059

Tax Assessment & Valuation

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		$876,300 (+3.78%) Land $629,100 Building $247,200	$876,300 (+3.78%) Land $629,100 Building $247,200
2025	$13,629.00 (+23.72%)	$844,400 (+35.97%) Land $595,400 Building $249,000	$844,400 (+35.97%) Land $595,400 Building $249,000
2024	$11,016.00 (+21.05%)
2023		$621,000 Land $352,300 Building $268,700	$621,000 Land $352,300 Building $268,700
2022	$9,100.00

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

Flood

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

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