Monmouth County and Atlantic Highlands Borough property record for 7 Upper Prospect Rd, Atlantic Highlands, NJ 07716
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,192 sqft · built 1956 |
| Lot Size | 0.267 acres (11,639 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $9,670 (2025) |
| Deeds & Mortgages | Oct 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-00011-0000-00003 |
| Primary APN | 05-00011-0000-00003 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,192 sqft Living Area |
| 1st Floor Area | 1,192 sqft |
| Basement Area | 1,192 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 11,639 sqft (0.267 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Deck Area | 1,100 sqft |
| Account Number | 00210003 |
|---|---|
| Street Address | 7 UPPER PROSPECT RD |
| City | ATLANTIC HIGHLANDS |
| State | NJ |
| Zip | 07716-1762 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Block | 11 |
| Legal Lot Number | 3 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | ATLANTIC HIGHLANDS |
| Census Block Group | 4 |
| Census Block | 4015 |
| Census Tract | 800200 |
7 Upper Prospect Rd is owned and occupied by two individuals.
Source: Monmouth County and Atlantic Highlands Borough records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7 UPPER PROSPECT RD, ATLANTIC HIGHLANDS, NJ 07716-1762 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 7 UPPER PROSPECT RD, ATLANTIC HIGHLANDS, NJ 07716-1762 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | C1 HILLSIDE CT, HIGHLANDS, NJ 07732-2014 |
| Document Number | 0096639227 |
|---|---|
| Date | Oct 17, 2023 |
| Book Page | 9663/9227 |
| Instrument | 2023072356 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Oct 20, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 7 Upper Prospect Rd was $9,670 with a veteran's exemption, down 1.2% from the year before.
Source: Monmouth County and Atlantic Highlands Borough assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| Municipality | Atlantic Highlands Borough |
| County | Monmouth County |
| Unified School District | Henry Hudson Regional School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $668,500 (+5.78%) Land $501,000 Building $167,500 | $668,500 (+5.78%) Land $501,000 Building $167,500 | |
| 2025 | $9,670.00 (-1.19%) Veteran's exemption | $632,000 Land $466,000 Building $166,000 | $632,000 Land $466,000 Building $166,000 |
| 2024 | $9,786.00 | ||
| 2023 | $543,900 Land $385,800 Building $158,100 | $543,900 Land $385,800 Building $158,100 | |
| 2022 | $9,224.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7 Upper Prospect Rd in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1984.
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 File median of 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 14 (1984–2023) |
| Claims Outside the SFHA | 7 of 14 |
| Most Recent Claim | Apr 2023 · rainfall accumulation |
| 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 7 Upper Prospect Rd is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · above 63% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
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 | ATLANTIC HIGHLANDS WATER serves 4,385 people · EPA ID NJ1304001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 132 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 |
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