Monmouth County and Middletown Township property record for 682 Locust Point Rd, Rumson, NJ 07760
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,540 sqft · built 1996 |
| Lot Size | 0.209 acres (9,100 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $577,000 (Dec 2019) |
| Tax Bill | $14,910 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Dec 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-00840-0000-00008-04 |
| Primary APN | 32-00840-0000-00008-04 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,540 sqft Living Area |
| 1st Floor Area | 1,658 sqft |
| Upper Floors Area | 1,256 sqft |
| Basement Area | 1,103 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 9,100 sqft (0.209 acres) |
| Lot Dimensions | 91 ft deep x 100 ft wide |
| Garage Type | Built-in |
| Garage Area | 525 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Deck Area | 256 sqft |
| Patio Area | 392 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 7425 |
|---|---|
| Street Address | 682 LOCUST POINT RD |
| City | RUMSON |
| State | NJ |
| Zip | 07760-2322 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R22 |
| Legal Subdivision | NAVESINK |
| Legal Block | 840 |
| Legal Lot Number | 8.4 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | MIDDLETOWN |
| Census Block Group | 1 |
| Census Block | 1006 |
| 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 | 682 LOCUST POINT RD, RUMSON, NJ 07760-2322 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 17, 2026 | Deed of Trust, Mortgage · FHA Mortgage THINK ONE MORTGAGE INC |
| Dec 1, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| May 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Feb 25, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Dec 2, 2019 | Grant Deed, Transfer · FHA Mortgage BENCHMARK MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 2, 2019 · Amount on Record |
| Deed Sale | Dec 2, 2019 · Amount on Record |
| Prior Sale | Dec 21, 2005 · Amount on Record |
| Deed Document Number | 2019113924 |
| Deed Book / Page | 9382 / 5100 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 682 LOCUST POINT RD, RUMSON, NJ 07760-2322 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Title Company | JD ABSTRACT INC, CNJ ABSTRACT INC |
| Name | Verified Name |
|---|---|
| Address | 682 LOCUST POINT RD, LOCUST, NJ 07760-2322 |
| Document Number | 0097844016 |
|---|---|
| Date | Mar 17, 2026 |
| Book Page | 9784/4016 |
| Instrument | 2026022200 |
| Name | THINK ONE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | STATEN ISLAND, NY 10305 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 682 LOCUST POINT RD, RUMSON, NJ 07760-2322 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2023 |
| Name | Verified Name |
|---|---|
| Address | 682 LOCUST POINT RD, RUMSON, NJ 07760-2322 |
| Document Number | 0096262346 |
|---|---|
| Date | Dec 1, 2022 |
| Book Page | 9626/2346 |
| Instrument | 2022115927 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Nov 25, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 682 LOCUST POINT RD, RUMSON, NJ 07760-2322 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2021 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Name | Verified Name |
|---|
| Document Number | 0095123584 |
|---|---|
| Date | May 19, 2021 |
| Book Page | 9512/3584 |
| Instrument | 2021080598 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 682 LOCUST POINT RD, RUMSON, NJ 07760-2322 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2021 |
| Name | Verified Name |
|---|---|
| Address | 682 LOCUST POINT ROAD, MIDDLETOWN, NJ |
| Document Number | 0094849083 |
|---|---|
| Date | Feb 25, 2021 |
| Book Page | 9484/9083 |
| Instrument | 2021029364 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 346 Months |
| Due | Dec 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Dec 2, 2019 |
| Property Address | 682 LOCUST POINT RD, RUMSON, NJ 07760-2322 |
| Document Number | 0000113924 |
| Book / Page | 009382 / 005100 |
| Instrument Date | Nov 12, 2019 |
| Instrument | 113924 |
| Transaction Type | Transfer |
| Record Updated | Jan 8, 2020 |
| Title Company | ABSOLUTE SETTLEMENT COMPANY, ABSOLUTE SETTLEMENT CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $577.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 682 LOCUST POINT RD LOCUST NJ 077602322, LOCUST, NJ 07760-2322 |
| Document Number | 113925 |
|---|---|
| Date | Dec 2, 2019 |
| Book Page | 009382/005143 |
| Instrument | 113925 |
| Name | BENCHMARK MTG |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2049 |
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 | $962,100 (+4.15%) Land $551,600 Building $410,500 | $962,100 (+4.15%) Land $551,600 Building $410,500 | |
| 2025 | $14,910.00 (+9.24%) | $923,800 (+11.77%) Land $517,000 Building $406,800 | $923,800 (+11.77%) Land $517,000 Building $406,800 |
| 2024 | $13,649.00 (+5.87%) | ||
| 2023 | $826,500 Land $399,600 Building $426,900 | $826,500 Land $399,600 Building $426,900 | |
| 2022 | $12,892.00 |
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 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 |
|
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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