7 Ocean St, Highlands, NJ 07732 Property Records

Monmouth County and Highlands Borough property record for 7 Ocean St, Highlands, NJ 07732

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,081 sqft · built 1904
Lot Size	0.196 acres (8,555 sqft)
Owner	Individual Name on Record
Last Sale	$732,500 (May 2014)
Tax Bill	$20,110 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`19-00019-0000-00014`

Property Details

APN / Parcel Number

Primary APN	`19-00019-0000-00014`
Alternative APNs	`190001900014` `00005090`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,081 sqft Living Area
1st Floor Area	1,396 sqft
Basement Area	1,038 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Other
Lot Area	8,555 sqft (0.196 acres)
Lot Dimensions	145 ft deep x 59 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Deck Area	264 sqft
Patio Area	1,308 sqft
Shed	1 Shed
Shed Area	130 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00005090
Street Address	7 OCEAN ST
City	HIGHLANDS
State	NJ
Zip	07732-1827
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF05
Legal Block	19
Legal Lot Number	14
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HIGHLANDS
Census Block Group	1
Census Block	1012
Census Tract	800102

Owner

Source: Monmouth County and Highlands Borough records, as of July 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	7 OCEAN ST, HIGHLANDS, NJ 07732-1827
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Aug 27, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2014 · Amount on Record
Deed Sale	May 21, 2014 · Amount on Record
Prior Sale	Oct 7, 2005 · Amount on Record
Deed Document Number	201439100
Deed Book / Page	9066 / 3433
Prior Transfer Date	May 20, 2014
Prior Transfer Doc	0090663433
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	7 OCEAN ST, HIGHLANDS, NJ 07732-1827
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	ALL AHEAD TITLE AGENCY LLC, ALL AHEAD TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0094896890
Date	Mar 12, 2021
Book Page	9489/6890
Instrument	2021038579

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Feb 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.75%
Index	1-Year LIBOR
Max Rate	7.75%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	7 OCEAN ST, HIGHLANDS, NJ 07732-1827
Document Number	0000090503
Instrument Date	Aug 27, 2018
Transaction Type	Mortgage
Record Updated	Oct 4, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 OCEAN ST HIGHLANDS NJ 077321827, HIGHLANDS, NJ 07732-1827

Mortgage

Document Number	0000090503
Date	Sep 12, 2018
Book Page	009311/005702
Instrument	90503

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 11, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Monmouth County and Highlands Borough assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
Municipality	Highlands Borough
Unified School District	Henry Hudson Regional School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,302,200 (+10.73%) Land $797,800 Building $504,400	$1,302,200 (+10.73%) Land $797,800 Building $504,400
2025	$20,110.00 (-1.07%)	$1,176,000 (+17.71%) Land $676,200 Building $499,800	$1,176,000 (+17.71%) Land $676,200 Building $499,800
2024	$20,327.00 (+19.53%)
2023		$999,100 Land $536,000 Building $463,100	$999,100 Land $536,000 Building $463,100
2022	$17,006.00

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	5 (1992–2012)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Hurricane Sandy, Oct 2012 · 4 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 96% of the US · lower than 89% of New Jersey
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 188 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

May also be available: T-Mobile.

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