Monmouth County and Middletown Township property record for 685 Locust Point Rd, Rumson, NJ 07760
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,656 sqft · built 2000 |
| Lot Size | 0.318 acres (13,870 sqft) |
| Owner | Individual Name on File |
| Last Sale | $450,000 (Oct 2011) |
| Tax Bill | $17,371 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-00840-01-00017 |
| Primary APN | 32-00840-01-00017 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,656 sqft Living Area |
| 1st Floor Area | 2,656 sqft |
| Upper Floors Area | 1,228 sqft |
| Basement Area | 1,428 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 13,870 sqft (0.318 acres) |
| Lot Dimensions | 146 ft deep x 95 ft wide |
| Garage Area | 575 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 216 sqft |
| Patio Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Old Parcel Number | 320143100000000101 |
|---|---|
| Street Address | 685 LOCUST POINT RD |
| City | RUMSON |
| State | NJ |
| Zip | 07760-2323 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Block | 840.1 |
| Legal Lot Number | 17 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | MIDDLETOWN |
| Census Block Group | 4 |
| Census Block | 4031 |
| Census Tract | 800900 |
685 Locust Point Rd is owned and occupied by an individual who acquired it in February 2025.
Source: Monmouth County and Middletown Township records, as of July 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 685 LOCUST POINT RD, RUMSON, NJ 07760-2323 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 8, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Sep 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CLASSIC MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 21, 2011 · Amount on File |
| Deed Sale | Oct 21, 2011 · Amount on File |
| Prior Sale | Jan 19, 2006 · Amount on File |
| Deed Document Number | 201195280 |
| Deed Book / Page | 8913 / 186 |
| Last Transfer Date | Feb 12, 2025 |
| Transfer Doc | 0097256424 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Apr 8, 2026 |
| Property Address | 685 LOCUST POINT RD, RUMSON, NJ 07760-2323 |
| Document Number | 0000028775 |
| Book / Page | 9787 / 8108 |
| Instrument Date | Mar 25, 2026 |
| Instrument | 202628775 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 685 LOCUST POINT RD, RUMSON, NJ 07760-2323 |
| Document Number | 0097878108, |
|---|---|
| Date | Apr 8, 2026 |
| Book Page | 9787/8108 |
| Instrument | 202628775 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 20, 2056 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 685 LOCUST POINT RD, RUMSON, NJ 07760-2323 |
| Document Number | 0000121385 |
| Instrument Date | Sep 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2020 |
| Title Company | UNITED LAND TITLE AGENCY, UNITED LAND TITLE AGCY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 685 LOCUST POINT RD RUMSON NJ 077602323, RUMSON, NJ 07760-2323 |
| Document Number | 0000121385 |
|---|---|
| Date | Oct 19, 2020 |
| Book Page | 009449/009806 |
| Instrument | 121385 |
| Name | CLASSIC MTG |
|---|---|
| Type | Mortgage Company |
| Address | MAYWOOD, NJ 07607 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 18, 2050 |
The 2025 property tax bill for 685 Locust Point Rd was $17,371, up 8.7% from the year before.
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 | $1,117,200 (+3.8%) Land $583,400 Building $533,800 | $1,117,200 (+3.8%) Land $583,400 Building $533,800 | |
| 2025 | $17,371.00 (+8.72%) | $1,076,300 Land $547,300 Building $529,000 | $1,076,300 Land $547,300 Building $529,000 |
| 2024 | $15,978.00 | ||
| 2023 | $935,400 Land $423,000 Building $512,400 | $935,400 Land $423,000 Building $512,400 | |
| 2022 | $14,896.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 685 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 |
|
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 risk around 685 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.
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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