10-A E 68TH ST

Harvey Cedars Boro, Ocean County · Block 42, Lot 11

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Assessment year 2026 · Rate year 2026 · Prior rate 2025

Estimated tax story (homeowner view)
+9.4%

Estimated tax up $4,354 ($46,551 → $50,904) using 2025→2026 rates (1.112 → 1.216) × assessed net.

Assessment net change: 0.0% ($4,186,200 → $4,186,200).

Assessment

Land$2,086,800
Improvements$2,099,400
Net (taxable assessed, 2026)$4,186,200
Town avg ratio used52.42% (Average ratio (Director’s / Chapter 123))
Implied equalized value$7,985,883
2025 tax (MOD-IV billed)$46,550.54
Est. 2026 tax @ general rate$50,904
Mailing address (2026)13 FAIR HAVEN RD, RUMSON; NJ, 077601014

How the ratio works: New Jersey towns often assess below full market value. The average ratio (Director’s / Chapter 123) estimates what percent of true market value the town’s assessments represent. Implied equalized value ≈ assessed net ÷ (ratio ÷ 100). Example: assessed $187,600 at 55.89% ≈ $335,700 equalized. Tax bills still use assessed value × the general tax rate — not the equalized figure.

The stored sale is not used for a change-since-sale figure. SR1A 07 — Substantially improved after the assessment and before the sale marks it non-usable, or the price is a nominal amount.

This class 2 — residential (four families or less) — net assessment sits above the town class-2 average of $1,134,948.

Building permits for 10-A E 68TH ST

The New Jersey construction-permit file lists 3 permits for 10-A E 68TH ST in Harvey Cedars Boro. 2 are still open in the state file. Permit 000020220022, a new building, was issued 23 Feb 2022 and is open in the state file. The reported cost is $800,000. The reported size is 3,859 square feet.

Permit Type Use Issued Closed Reported cost
000020210188 Demolition International Residential Code 10 Dec 2021 Open in the state file $14,000
000020220019 Alteration International Residential Code 16 Feb 2022 4 Mar 2022, Certificate of Approval $500
000020220022 New International Residential Code 23 Feb 2022 Open in the state file $800,000

The file does not name the work. This file is a full record from 2021 on. Older permits are mostly missing. A repair from before then can be absent here and still be at the Harvey Cedars Boro construction office.

Flood zone for 10-A E 68TH ST

FEMA’s flood map places the mapped point for 10-A E 68TH ST in zone AE. The mapped base flood elevation is 7 feet (NAVD88).

The state’s 10-foot ground scan puts the lowest cell on this lot at 10.9 feet and the highest at 20.5 feet (NAVD88).

These figures are estimates. The zone and any flood elevation come from FEMA’s flood map at a point for this address, and that point can fall in the street. The high and low come from the state’s 10-foot ground scan of the lot outline. A cell can catch a ditch, the street, or the edge of the lot. They are not a survey and not an insurance rating. A licensed surveyor measures the ground and the building. The town floodplain administrator, or a licensed engineer, confirms what the zone means for this lot. No zone at this point, or zone X, does not mean the lot will not flood.

Water and sewer for 10-A E 68TH ST

This lot is within the OCUA Southern sewer system. Please verify with the provider.

This lot is within the Harvey Cedars WD water system. Please verify with the provider.

These lines come from the state’s sewer service areas and public community water areas, read at a point for this address. That point can fall in the street. Being inside a named area means the lot is inside that mapped system, not that a pipe or a meter is on the house. Being outside means the lot is outside the mapped service area, which is usually a septic system or a private well. It is not a hookup record. Please verify with the provider. How we read water and sewer.

Year-by-year assessed value & tax

From NJ MOD-IV files (2023, 2024, 2025, 2026). Tax is the MOD-IV billed amount when present; otherwise —. Current mailing is in Assessment above.

Year Assessed net Tax
2026 $4,186,200 —
2025 $4,186,200 $46,550.54
2024 $4,186,200 $47,094.75
2023 $1,113,000 $31,499.25

Mailing changed in 2024 to 13 FAIR HAVEN RD, RUMSON; NJ, 077601014.

Assessed value & ratio history

Parcel assessed nets come from MOD-IV year files (2023, 2024, 2025, 2026). Town average ratios are from Abstract / Chapter 123 when available — implied equalized = assessed ÷ (ratio ÷ 100).

Tax year Assessed net Avg ratio Implied equalized Assessed Δ Equalized Δ
2023 $1,113,000 77.58% $1,434,648 — —
2024 $4,186,200 63.47% $6,595,557 +276.1% +359.7%
2025 $4,186,200 59.18% $7,073,674 0.0% +7.2%
2026 $4,186,200 52.42% $7,985,883 0.0% +12.9%

Tax year history

Assessed net is from that year’s MOD-IV file. Est. tax = assessed × that year’s general rate when we have the rate sheet. Billed tax is the MOD-IV tax field when present (often empty for the newest file year).

Tax year Assessment net General rate Est. tax (that year) Billed tax Est. vs prior
2023 $1,113,000 0.983 $10,941 $31,499.25 —
2024 $4,186,200 1.125 $47,095 $47,094.75 +330.5%
2025 $4,186,200 1.112 $46,551 $46,550.54 -1.2%
2026 $4,186,200 1.216 $50,904 — +9.4%

Where your money goes

Component $ = net × (component rate ÷ 100). Percents are share of school + county + municipal components for rate year 2026.

Schools
$11,629 22.8%
County
$24,766 48.7%
Municipal
$14,509 28.5%

Of the estimated increase of $4,354, the school portion moved $996 up, the county portion $2,118 up, and the municipal portion $1,239 up. Those are pieces of the dollar change. They are not a change in each share of the rate.

Regional / consolidated school (0.222)$9,293
Local school (0.056)$2,336
County (0.518)$21,697
County library (0.051)$2,152
County open space (0.022)$917
Municipal purpose (0.336)$14,053
Municipal open space (0.011)$456

Property details

Class2 — Residential (four families or less)
Building class10 — not listed in the state appraisal manual
Building2SF 3859
Land description64X169
Dwellings0
Commercial units—
Year built2023
Acreage0.2483
ZoningR-AA — town zoning code
Tax map page5
Additional lots—
Census tract / block—
Special tax codes—
MOD-IV current-year tax—
Last sale$5,195,000 · 3/27/2023 · sale assessment $1,113,000 · SR1A 07 — Substantially improved after the assessment and before the sale
Deed book / page19342 / 00001

The class, building class, SR1A, and special-tax words are the state’s names for those codes. The zoning code is the town’s. A code that is not on the state list keeps the code and says so.

See this lot on the statewide map, then come back for the full tax story.

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Sources: NJ Division of Taxation MOD-IV (current parcel file) and tax rates for 2026 (Abstract of Ratables). Building permits are read live from the NJ construction-permit file for this block and lot. The flood zone is read live from FEMA’s flood map at a point for this address. The high and low are read live from the state’s 10-foot ground scan. Water and sewer are read live from the state’s service-area maps at that same point. Those map readings are estimates, not a survey and not a hookup record. Estimates are not an official tax bill. Owner names are not shown. Water and sewer · Full disclaimer.