78 Lafayette St, Rumson, NJ 07760 Property Records

Monmouth County and Rumson Borough property record for 78 Lafayette St, Rumson, NJ 07760

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,896 sqft · built 1904
Lot Size	0.126 acres (5,502 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Jan 1999)
Tax Bill	$11,712 (2025)
Deeds & Mortgages	Nov 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`41-00033-0000-00016`

Property Details

APN / Parcel Number

Primary APN	`41-00033-0000-00016`
Alternative APNs	`410003300016` `053500`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,896 sqft Living Area
1st Floor Area	1,116 sqft
Upper Floors Area	780 sqft
Attic	Attic
Attic Area	780 sqft
Basement Area	640 sqft

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	5,502 sqft (0.126 acres)
Lot Dimensions	110 ft deep x 50 ft wide
Porch	Open Porch
Deck Area	224 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	053500
Street Address	78 LAFAYETTE ST
City	RUMSON
State	NJ
Zip	07760-1333
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF05
Legal Block	33
Legal Lot Number	16
Jurisdiction	MONMOUTH NJ
Township / Civil Division	RUMSON
Census Block Group	3
Census Block	3025
Census Tract	803900

Owner

78 Lafayette St is owned and occupied by two individuals who bought it in January 1999.

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

Owner of Record	2 Individual Names on File
Mailing Address	78 LAFAYETTE ST, RUMSON, NJ 07760-1333
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 1999 · Amount on File
Deed Sale	Jan 9, 1999 · Amount on File
Deed Book / Page	5784 / 703
Record Updated	Sep 20, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	78 LAFAYETTE ST, RUMSON, NJ 07760-1333
Document Number	0000115199
Instrument Date	Nov 10, 2018
Transaction Type	Mortgage
Record Updated	Dec 18, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE - PLATINUM

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 LAFAYETTE ST RUMSON NJ 077601333, RUMSON, NJ 07760-1333

Mortgage

Document Number	0000115199
Date	Dec 3, 2018
Book Page	009322/009403
Instrument	115199

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 2, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 78 Lafayette St was $11,712, up 3% from the year before.

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

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
Municipality	Rumson Borough
Elementary School District	Rumson Borough School District (KG - 08)
Secondary School District	Rumson-Fair Haven Regional School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,273,000 (+14.02%) Land $862,700 Building $410,300	$1,273,000 (+14.02%) Land $862,700 Building $410,300
2025	$11,712.00 (+2.99%)	$1,116,500 Land $767,300 Building $349,200	$1,116,500 Land $767,300 Building $349,200
2024	$11,372.00
2023		$977,100 Land $689,000 Building $288,100	$977,100 Land $689,000 Building $288,100
2022	$11,353.00

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

Flood

FEMA maps place 78 Lafayette St in Zone X, an area of minimal flood risk, though there have been 165 flood claims nearby since 1978.

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 66 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	75 units insured incl. 9 condo units
Nearby Flood Claims	165 (1978–2024)
Claims Outside the SFHA	30 of 165
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Sandy, Nov 2012 · 66 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 42 claims Coastal Storms & Flooding, Apr 1984 · 11 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 Lafayette St 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 99.1% of the US · lower than 97.3% 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 502 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