88 River St, Red Bank, NJ 07701 Property Records

Monmouth County and Red Bank Borough property record for 88 River St, Red Bank, NJ 07701

Property Summary

Property Type	Single Family Home
Details	1,858 sqft · built 2018
Lot Size	0.248 acres (10,799 sqft)
Owner	2 Individual Names on File
Last Sale	$860,000 (Oct 2020)
Tax Bill	$19,556 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage May 2019 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`39-00073-0000-00016-01`

Property Details

APN / Parcel Number

Primary APN	`39-00073-0000-00016-01`
Alternative APN	`3900073000000016`

Interior

Building Area	1,858 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	10,799 sqft (0.248 acres)
Lot Dimensions	150 ft deep x 72 ft wide

Location & Zoning

Old Parcel Number	3900073000000016
Street Address	88 RIVER ST
City	RED BANK
State	NJ
Zip	07701-1324
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF0
Legal Description	FACILITY NAME: ADMINISTRATIVE BLDG.
Legal Subdivision	SHREWSBURY AVE
Legal Block	73
Legal Lot Number	16.1
Jurisdiction	MONMOUTH NJ
Township / Civil Division	RED BANK
Census Block Group	2
Census Block	2009
Census Tract	803400

Owner

88 River St is owned by two individuals who bought it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	88 RIVER ST, 90, RED BANK, NJ 07701-1324
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

Date	Document
Oct 7, 2020	Grant Deed, Subdivision Related Transfer · Conventional Mortgage NJ LENDERS
May 16, 2019	Loan Modification, Mortgage RONALD GERHARD
May 17, 2018	Deed of Trust, Mortgage RONALD GERHARD
Jan 19, 2017	Grant Deed, Construction Loan · Construction Mortgage KAREN SICILIANO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2020 · Amount on File
Deed Sale	Oct 7, 2020 · Amount on File
Deed Document Number	2020116571
Deed Book / Page	9447 / 3489
Record Updated	Sep 20, 2026

October 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Oct 7, 2020
Property Address	88 RIVER ST, RED BANK, NJ 07701-1324
Document Number	0000116571
Book / Page	009447 / 003489
Instrument Date	Jul 29, 2020
Instrument	116571
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 3, 2020
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$860.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	88-90 RIVER ST RED BANK NJ 07701, RED BANK, NJ 07701

Mortgage

Document Number	116572
Date	Oct 7, 2020
Book Page	009447/003541
Instrument	116572

Lender

Name	NJ LENDERS
Address	LITTLE FALLS, NJ 07424

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 6, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.12%

Mortgage

Document Number	116573,
Date	Oct 7, 2020
Book Page	009447/003601
Instrument	116573

Lender

Name	US ALLIANCE FCU
Type	Credit Union
Address	CHELMSFORD, MA 01824

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 6, 2050

Interest

Rate Type	Adjustable Rate

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONMOUTH NJ
Property Address	88 RIVER ST, RED BANK, NJ 07701-1324
Document Number	0000046844
Instrument Date	May 16, 2019
Transaction Type	Mortgage
Record Updated	Aug 8, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	247 S BRIDGE AVE RED BANK NJ 077011473, RED BANK, NJ 07701-1473

Mortgage

Document Number	0000046844
Date	May 30, 2019
Book Page	009350/003008
Instrument	46844

Lender

Name	RONALD GERHARD
Address	62 MOUNTAINSIDE DR, COLTS NECK, NJ 07722-1061

Agreement

Amount	Amount on Record

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	88 RIVER ST, RED BANK, NJ 07701-1324
Document Number	0000057458
Instrument Date	May 17, 2018
Transaction Type	Mortgage
Record Updated	Aug 8, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	247 S BRIDGE AVE #5 RED BANK NJ 077011474, 5, RED BANK, NJ 07701-1474

Mortgage

Document Number	0000057458
Date	Jun 11, 2018
Book Page	009291/008991
Instrument	57458

Lender

Name	RONALD GERHARD
Address	62 MOUNTAINSIDE DR, COLTS NECK, NJ 07722-1061

Agreement

Amount	Amount on Record

January 2017: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Jan 19, 2017
Property Address	88 RIVER ST, RED BANK, NJ 07701-1324
Document Number	0000006603
Book / Page	009208 / 005643
Instrument Date	Dec 16, 2016
Instrument	6603
Transaction Type	Construction Loan
Record Updated	Aug 8, 2019
Title Company	PROPERTY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	247 S BRIDGE AVE #5 RED BANK NJ 077011474, 5, RED BANK, NJ 07701-1474

Mortgage

Document Number	6604
Date	Jan 19, 2017
Book Page	009208/005651
Instrument	6604

Lender

Name	KAREN SICILIANO
Address	247 S BRIDGE AVE # 6, RED BANK, NJ 07701-1474

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 18, 2018

Tax Assessment & Valuation

The 2025 property tax bill for 88 River St was $19,556, up 1.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,113,100 (+3.71%) Land $254,900 Building $858,200	$1,113,100 (+3.71%) Land $254,900 Building $858,200
2025	$19,556.00 (+1.23%)	$1,073,300 Land $226,400 Building $846,900	$1,073,300 Land $226,400 Building $846,900
2024	$19,318.00
2023		$991,400 Land $181,500 Building $809,900	$991,400 Land $181,500 Building $809,900
2022	$19,036.00

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

Flood

FEMA maps place 88 River St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 18, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 88 River 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	Direct burnable vegetation

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	RED BANK WATER DEPT serves 12,520 people · EPA ID NJ1340001
Water Source	Purchased surface water from NJ AMERICAN WATER - COASTAL NORTH
Last State Inspection	Jul 2025
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 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 645 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: AT&T, T-Mobile.

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