78 Bay Ave, Highlands, NJ 07732 Property Records

Monmouth County and Highlands Borough property record for 78 Bay Ave, Highlands, NJ 07732

Property Summary

Property Type	Retail Store
Details	2,700 sqft
Lot Size	0.133 acres (5,798 sqft)
Owner	Company Name on File
Last Sale	$70,000 (Dec 2025)
Tax Bill	$5,361 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Jun 2022 Transfer
Flood Zone	Zone AE (high risk)
APN	`19-00042-0000-00013`

Property Details

APN / Parcel Number

Primary APN	`19-00042-0000-00013`
Alternative APNs	`190004200013` `00008410`

Interior

Building Area	2,700 sqft Total Area

Exterior

Construction Type	Frame
Roof Type	Flat
Roof Material	Other
Lot Area	5,798 sqft (0.133 acres)
Lot Dimensions	100 ft deep x 58 ft wide

Location & Zoning

Account Number	00008410
Street Address	78 BAY AVE
City	HIGHLANDS
State	NJ
Zip	07732-1730
Property Category	Commercial
Property Type	Commercial > Retail > Retail Store
Local Zoning Code	C0
Legal Block	42
Legal Lot Number	13
Jurisdiction	MONMOUTH NJ
Township / Civil Division	HIGHLANDS
Census Block Group	2
Census Block	2022
Census Tract	800101

Owner

78 Bay Ave, a commercial property, is owned by a company that bought it in December 2025.

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

Owner of Record	Company Name on File
Mailing Address	78 BAY AVE, HIGHLANDS, NJ 07732-1730
Owner Type	Company
Vesting	Limited Liability Partnership

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

Date	Document
Dec 31, 2025	Deed, Transfer KAREN BUSICHIO
Jun 27, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2025 · Amount on File
Deed Sale	Dec 31, 2025 · Amount on File
Prior Sale	Aug 25, 1983 · Amount on File
Deed Document Number	2025104792
Deed Book / Page	9773 / 335
Prior Transfer Date	Apr 13, 2022
Prior Transfer Doc	0096021767
Record Updated	Sep 20, 2026

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Dec 31, 2025
Property Address	78 BAY AVE, HIGHLANDS, NJ 07732-1730
Document Number	0097730335
Book / Page	9773 / 335
Instrument Date	Nov 3, 2025
Instrument	2025104792
Transaction Type	Transfer
Record Updated	Jan 22, 2026
Title Company	FORESCENE TITLE AGCY LLC, FORESCENE TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 PORTLAND RD UNIT 10, 10, HIGHLANDS, NJ 07732-1951

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 BAY AVE, HIGHLANDS, NJ 07732-1730

Mortgage

Document Number	2025104793
Date	Dec 31, 2025
Instrument	2025104793

Lender

Name	KAREN BUSICHIO
Type	Private Party

Agreement

Amount	Amount on Record
Term	22 Months
Due	Oct 1, 2027

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONMOUTH NJ
Recording Date	Jun 27, 2022
Property Address	78 BAY AVE, HIGHLANDS, NJ 07732-1730
Document Number	0096021767
Book / Page	9602 / 1767
Instrument Date	Apr 13, 2022
Instrument	2022066669
Transaction Type	Transfer
Record Updated	Jul 27, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	78 BAY AVE, 78, HIGHLANDS, NJ 07732-1730

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	78 BAY AVE, HIGHLANDS, NJ 07732-1730

Tax Assessment & Valuation

The 2025 property tax bill for 78 Bay Ave was $5,361, up 35.7% from the year before.

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		$346,400 (+10.49%) Land $319,200 Building $27,200	$346,400 (+10.49%) Land $319,200 Building $27,200
2025	$5,361.00 (+35.72%)	$313,500 Land $286,300 Building $27,200	$313,500 Land $286,300 Building $27,200
2024	$3,950.00
2023		$183,800 Land $156,600 Building $27,200	$183,800 Land $156,600 Building $27,200
2022	$3,470.00

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

Flood

FEMA maps place 78 Bay Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 271 individual policies
Nearby Flood Policies	315 units insured incl. 44 condo units
Nearby Flood Claims	183 (1992–2023)
Most Recent Claim	Sep 2023 · rainfall accumulation
Claims by Event	Hurricane Sandy, Nov 2012 · 121 claims Hurricane Irene, Aug 2011 · 37 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 10 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 78 Bay Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.5% of New Jersey
Wildfire Likelihood	Under 0.01% 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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