Monmouth County and Rumson Borough property record for 86 Lafayette St, Rumson, NJ 07760
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,997 sqft · built 2012 |
| Lot Size | 0.126 acres (5,502 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,999,999 (Mar 2026) |
| Tax Bill | $14,471 (2025) |
| Deeds & Mortgages | Aug 2021 Line of Credit Mar 2026 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-00033-0000-00019 |
| Primary APN | 41-00033-0000-00019 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,997 sqft Living Area |
| 1st Floor Area | 1,997 sqft |
| Upper Floors Area | 1,079 sqft |
| Basement Area | 918 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 5,502 sqft (0.126 acres) |
| Lot Dimensions | 110 ft deep x 50 ft wide |
| Garage Area | 221 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Patio Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 053800 |
|---|---|
| Street Address | 86 LAFAYETTE ST |
| City | RUMSON |
| State | NJ |
| Zip | 07760-1333 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF05 |
| Legal Subdivision | OCEANIC |
| Legal Block | 33 |
| Legal Lot Number | 19 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | RUMSON |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 803900 |
86 Lafayette St is owned and occupied by two individuals who bought it in March 2026.
Source: Monmouth County and Rumson Borough records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 86 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.
| Date | Document |
|---|---|
| Aug 6, 2021 | Deed of Trust, Mortgage · Line of Credit 1ST CONSTITUTION BANK |
| Mar 20, 2026 | Bargain and Sale Deed, Transfer · Conventional Mortgage US BANK NA |
| Sep 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Jan 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Mar 15, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 20, 2026 · Amount on File |
| Deed Sale | Mar 20, 2026 · Amount on File |
| Prior Sale | Jul 16, 2012 · Amount on File |
| Deed Document Number | 202623580 |
| Deed Book / Page | 9785 / 977 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 86 LAFAYETTE ST, RUMSON, NJ 07760-1333 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0095335643 |
|---|---|
| Date | Aug 6, 2021 |
| Book Page | 9533/5643 |
| Instrument | 2021119945 |
| Name | 1ST CONSTITUTION BANK |
|---|---|
| Type | Bank |
| Address | CRANBURY, NJ 08512 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Mar 20, 2026 |
| Property Address | 86 LAFAYETTE ST, RUMSON, NJ 07760-1333 |
| Document Number | 0097850977 |
| Book / Page | 9785 / 977 |
| Instrument Date | Mar 13, 2026 |
| Instrument | 2026023580 |
| Transaction Type | Transfer |
| Record Updated | Apr 9, 2026 |
| Title Company | PURE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $41,674.99 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3340 BRIDGEGATE AVE, NORTHLAKE, TX 76247-1820 |
| Name | Verified Name |
|---|---|
| Address | 86 LAFAYETTE STREET, FRUMSON, NJ |
| Document Number | 2026023581 |
|---|---|
| Date | Mar 20, 2026 |
| Instrument | 2026023581 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Type Change Date | Apr 1, 2036 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.6% |
| Index | 1-Year T-Bill |
| Max Rate | 10.6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 86 LAFAYETTE ST, RUMSON, NJ 07760-1333 |
| Document Number | 0000111933 |
| Instrument Date | Sep 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2020 |
| Title Company | GOLDEN TITLE AGENCY, GOLDEN TITLE AGCY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 86 LAFAYETTE ST RUMSON NJ 077601333, RUMSON, NJ 07760-1333 |
| Document Number | 0000111933 |
|---|---|
| Date | Sep 29, 2020 |
| Book Page | 009444/009411 |
| Instrument | 111933 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 28, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 86 LAFAYETTE ST, RUMSON, NJ 07760-1333 |
| Document Number | 0000020344 |
| Instrument Date | Jan 31, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2020 |
| Title Company | GOLDEN TITLE AGENCY, GOLDEN TITLE AGCY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 86 LAFAYETTE ST RUMSON NJ 077601333, RUMSON, NJ 07760-1333 |
| Document Number | 0000020344 |
|---|---|
| Date | Feb 21, 2020 |
| Book Page | 009398/005011 |
| Instrument | 20344 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 20, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 86 LAFAYETTE ST, RUMSON, NJ 07760-1333 |
| Document Number | 0000030046 |
| Instrument Date | Mar 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2019 |
| Title Company | GOLDEN TITLE AGENCY, GOLDEN TITLE AGCY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 86 LAFAYETTE ST RUMSON NJ 077601333, RUMSON, NJ 07760-1333 |
| Document Number | 0000030046 |
|---|---|
| Date | Apr 8, 2019 |
| Book Page | 009342/006260 |
| Instrument | 30046 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 7, 2049 |
The 2025 property tax bill for 86 Lafayette St was $14,471, up 2.8% from the year before.
Source: Monmouth County and Rumson Borough assessment roll, as of July 9, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,574,300 (+14.12%) Land $862,700 Building $711,600 | $1,574,300 (+14.12%) Land $862,700 Building $711,600 | |
| 2025 | $14,471.00 (+2.84%) | $1,379,500 Land $767,300 Building $612,200 | $1,379,500 Land $767,300 Building $612,200 |
| 2024 | $14,071.00 | ||
| 2023 | $1,204,900 Land $689,000 Building $515,900 | $1,204,900 Land $689,000 Building $515,900 | |
| 2022 | $14,173.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 86 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 |
|
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 86 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.
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 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 |
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