Monmouth County and Rumson Borough property record for 91 Ridge Rd, Rumson, NJ 07760
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,124 sqft · built 1982 |
| Lot Size | 1.58 acres (68,825 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $3,400,000 (Jul 2025) |
| Tax Bill | $27,136 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Aug 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-00090-0000-00005 |
| Primary APN | 41-00090-0000-00005 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 3,124 sqft Living Area |
| 1st Floor Area | 3,124 sqft |
| Basement Area | 2,330 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 68,825 sqft |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 400 sqft |
|---|---|
| Porch | Open Porch |
| Deck Area | 1,195 sqft |
| Patio Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Sewer | Connected |
| Account Number | 161300 |
|---|---|
| Street Address | 91 RIDGE RD |
| City | RUMSON |
| State | NJ |
| Zip | 07760-1128 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF80 |
| Legal Subdivision | BRIARWOOD |
| Legal Block | 90 |
| Legal Lot Number | 5 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | RUMSON |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 803800 |
91 Ridge Rd is owned and occupied by two individuals who bought it in July 2025.
Source: Monmouth County and Rumson Borough records, as of July 9, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 91 RIDGE RD, RUMSON, NJ 07760-1128 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 16, 2025 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Aug 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jul 22, 2019 | Grant Deed, Transfer WELLS FARGO BK |
| Dec 11, 2018 | Deed of Trust, Mortgage INVESTORS HM MTG |
| Sep 1, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 7, 2025 · Amount on File |
| Deed Sale | Jul 7, 2025 · Amount on File |
| Prior Sale | Jul 22, 2019 · Amount on File |
| Deed Document Number | 202552242 |
| Deed Book / Page | 9745 / 3586 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 91 RIDGE RD, RUMSON, NJ 07760-1128 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2025 |
| Title Company | REALSAFE TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 91 RIDGE RD, RUMSON, NJ 07760-1128 |
| Document Number | 0097611943 |
|---|---|
| Date | Oct 16, 2025 |
| Book Page | 9761/1943 |
| Instrument | 2025082664 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 91 RIDGE RD, RUMSON, NJ 07760-1128 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2021 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0095373998 |
|---|---|
| Date | Aug 20, 2021 |
| Book Page | 9537/3998 |
| Instrument | 2021127287 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jul 22, 2019 |
| Property Address | 91 RIDGE RD, RUMSON, NJ 07760-1128 |
| Document Number | 0000065014 |
| Book / Page | 009358 / 008149 |
| Instrument Date | Jul 3, 2019 |
| Instrument | 65014 |
| Transaction Type | Transfer |
| Record Updated | Aug 7, 2019 |
| Title Company | STERLING TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,930.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 91 RIDGE RD RUMSON NJ 077601128, RUMSON, NJ 07760-1128 |
| Document Number | 65015 |
|---|---|
| Date | Jul 22, 2019 |
| Book Page | 009358/008172 |
| Instrument | 65015 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | 101 N PHILLIPS AVE, SIOUX FALLS, SD 57104-6738 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 21, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 91 RIDGE RD, RUMSON, NJ 07760-1128 |
| Document Number | 0000002022 |
| Instrument Date | Dec 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2019 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 91 RIDGE RD RUMSON NJ 077601128, RUMSON, NJ 07760-1128 |
| Document Number | 0000002022 |
|---|---|
| Date | Jan 8, 2019 |
| Book Page | 009329/007737 |
| Instrument | 2022 |
| Name | INVESTORS HM MTG |
|---|---|
| Type | Mortgage Company |
| Address | 249 MILLBURN AVE, MILLBURN, NJ 07041-1735 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 7, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 91 RIDGE RD, RUMSON, NJ 07760-1128 |
| Document Number | 0000097259 |
| Instrument Date | Sep 1, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2018 |
| Name | Verified Name |
|---|---|
| Address | 91 RIDGE RD RUMSON NJ 077601128, RUMSON, NJ 07760-1128 |
| Document Number | 0000097259 |
|---|---|
| Date | Oct 3, 2017 |
| Book Page | 009252/000066 |
| Instrument | 97259 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 2, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 91 Ridge Rd was $27,136, up 1.7% 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 | $2,870,800 (+10.98%) Land $1,819,200 Building $1,051,600 | $2,870,800 (+10.98%) Land $1,819,200 Building $1,051,600 | |
| 2025 | $27,136.00 (+1.71%) | $2,586,800 Land $1,691,800 Building $895,000 | $2,586,800 Land $1,691,800 Building $895,000 |
| 2024 | $26,681.00 | ||
| 2023 | $2,246,700 Land $1,508,400 Building $738,300 | $2,246,700 Land $1,508,400 Building $738,300 | |
| 2022 | $25,568.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 91 Ridge Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1992.
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 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 3 (1992–2012) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
| 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 91 Ridge Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 52% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.03% 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 | 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 108 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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