681 Locust Point Rd, Rumson, NJ 07760 Property Records

Monmouth County and Middletown Township property record for 681 Locust Point Rd, Rumson, NJ 07760

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,416 sqft · built 2015
Lot Size	0.157 acres (6,850 sqft)
Owner	Individual Name on File
Tax Bill	$15,275 (2025)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32-00840-01-00015-01`

Property Details

APN / Parcel Number

Primary APN	`32-00840-01-00015-01`
Alternative APNs	`3200840 0100015` `248`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,416 sqft Living Area
1st Floor Area	2,300 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	6,850 sqft (0.157 acres)
Lot Dimensions	137 ft deep x 150 ft wide
Garage Area	462 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	336 sqft
Porch	Open Porch
Deck Area	600 sqft
Patio Area	26 sqft
Canopy	220 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	248
Street Address	681 LOCUST POINT RD
City	RUMSON
State	NJ
Zip	07760-2323
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	ADDITIONAL LOTS: 16.01 & 16.02
Legal Subdivision	BROMWELL ANDREW ESTATE
Legal Block	840.1
Legal Lot Number	15.1
Jurisdiction	MONMOUTH NJ
Township / Civil Division	MIDDLETOWN
Census Block Group	4
Census Block	4031
Census Tract	800900

Owner

681 Locust Point Rd is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	681 LOCUST POINT RD, RUMSON, NJ 07760-2323
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	Name on Deed
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	681 LOCUST POINT RD, RUMSON, NJ 07760-2323
Document Number	0000003485
Instrument Date	Dec 14, 2020
Transaction Type	Mortgage
Record Updated	Feb 10, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	681 LOCUST POINT RD RUMSON NJ 077602323, RUMSON, NJ 07760-2323

Mortgage

Document Number	0000003485
Date	Jan 7, 2021
Book Page	009470/008012
Instrument	3485

Lender

Name	NJ LENDERS
Address	LITTLE FALLS, NJ 07424

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 6, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 681 Locust Point Rd was $15,275, up 3.4% 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		$983,000 (+3.87%) Land $558,200 Building $424,800	$983,000 (+3.87%) Land $558,200 Building $424,800
2025	$15,275.00 (+3.38%)	$946,400 Land $525,400 Building $421,000	$946,400 Land $525,400 Building $421,000
2024	$14,775.00
2023		$798,000 Land $457,700 Building $340,300	$798,000 Land $457,700 Building $340,300
2022	$12,384.00

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

Flood

FEMA maps place 681 Locust Point Rd in Zone X, an area of minimal 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 minimal risk
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 681 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