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Single Family ResidenceResidential
$1,042,490$423 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $149,000 on Jul 25, 1994

645 LOCUST POINT RD

RUMSON, NJ 07760
4
Beds
1.5
Baths
2,462 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.8 ac
Lot SizeThe size of the land the home sits on, from county records.
1959
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1M
$948K low$1.1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$149,000 · Jul 25, 1994

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$14,110 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$909,600 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$595,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$313,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$874,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$909,600

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.32
91
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
25
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
47
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.67 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.0.2 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Bi-Level
CountyMONMOUTH
Lot (acres)The size of the land the home sits on, from county records.0.80
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.Spa/Hot Tub (Only)
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 450 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Navesink Elementary SchoolA-
Elementary · Grades KG–5 · 0.2 mi
M
Bayshore Middle SchoolB+
Middle · Grades 6–8 · 1.8 mi
H
Middletown High School SouthB
High · Grades 9–12 · 5.2 mi

District: Middletown Township School District

Neighborhood · ZIP 07760These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.59
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.114
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.87

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.45%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.2%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.9,274
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.841 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$219,842
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$337,570
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

645 Locust Point Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 84% of homes in Rumson 07760
  • Costs less per square foot than 97% of homes in Rumson 07760
  • Bigger than 72% of homes in Monmouth County
  • Has a bigger lot than 84% of homes in Monmouth County
  • Older than 68% of homes in Monmouth County

What homes are worth in Rumson 07760

Each bar is how many homes fall in that price range. The marker is this home.

This home
$486K$6.4M

This home is worth more than 16% of homes in Rumson 07760.

How it measures up in Rumson 07760

The dot is this home. The mark in the middle is the typical home in Rumson 07760.

Estimated value$1,042,490
CheaperTypical $1,983,367Pricier

Pricier than 16% of homes nearby

Price per ft²$423
CheaperTypical $752Pricier

Pricier than 3% of homes nearby

Living area2,462 ft²
SmallerTypical 2,552 ft²Bigger

Bigger than 48% of homes nearby

Lot size0.8 ac
SmallerTypical 0.27 acBigger

Bigger than 66% of homes nearby

Year built1959
OlderTypical 1972Newer

Newer than 39% of homes nearby

How 645 Locust Point Rd ranks against every home in each area.
MeasureThis homeRumson 07760Monmouth County
Estimated valuepricier than$1,042,49016% of homes75% of homes
Price per ft²pricier than$4233% of homes64% of homes
Living areabigger than2,462 ft²48% of homes72% of homes
Lot sizebigger than0.8 ac66% of homes84% of homes
Year builtnewer than195939% of homes32% of homes

About 645 Locust Point Rd

How much is 645 Locust Point Rd, Rumson, NJ worth?

The TopHap Estimate for 645 Locust Point Rd, Rumson, NJ is $1,042,490 as of Jul 14, 2026. The likely range is $947,664 to $1,137,316. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 645 Locust Point Rd, Rumson, NJ last sell?

645 Locust Point Rd, Rumson, NJ last sold on Jul 25, 1994 for $149,000, according to the county's recorded deed.

How big is 645 Locust Point Rd, Rumson, NJ?

645 Locust Point Rd, Rumson, NJ has 4 bedrooms, 1.5 bathrooms, 2,462 square feet of living space and a 0.80-acre lot.

When was 645 Locust Point Rd, Rumson, NJ built?

645 Locust Point Rd, Rumson, NJ was built in 1959, making it 67 years old. It is a bi-level home. The building has 1 story.

What schools serve 645 Locust Point Rd, Rumson, NJ?

645 Locust Point Rd, Rumson, NJ is assigned to Navesink Elementary School (elementary), rated A-; Bayshore Middle School (middle), rated B+; Middletown High School South (high), rated B. All sit in Middletown Township School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 645 Locust Point Rd, Rumson, NJ compare to other homes in Rumson 07760?

Among the 3,961 homes in Rumson 07760, it is worth more than 16% of them ($1,042,490 against a typical $1,983,367), its price per square foot is higher than 3% of them ($423 against a typical $752), it is bigger than 48% of them (2,462 ft² against a typical 2,552 ft²), its lot is bigger than 66% of them (0.8 ac against a typical 0.27 ac) and it is newer than 39% of them (1959 against a typical 1972). Measured against all of Monmouth County, it is worth more than 75% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 645 Locust Point Rd, Rumson, NJ?

The 2025 property tax bill for 645 Locust Point Rd, Rumson, NJ was $14,110. The county assessed it at $909,600.

More homes on Locust Point Rd

Closest homes

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Assigned schools

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