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142 Black Point Road #H9, Rumson, NJ, 07760

3beds
1baths
1,500sqft
$1,299,000
$866price/sqft
$8,832/moest. monthly cost
$353,280/yrincome needed

About This Home

Enjoy true beachfront living on this exquisite private Island in the heart of Rumson. This beautiful custom-built home, completed in 2017 offers a wonderful open floor plan, 2 private bedrooms, plus an enormous second floor sleeping loft with endless possibilities (plumbed for a second bath). Spectacular, unobstructed views of the Navesink River and the ever-changing Hartshorne Woods! Walls of windows and an amazing deck invite you to soak in the breathtaking sunrises in the east and the gorgeous sunsets in the west. Private, gated community on approx. 39 acres allows full time access from April 1st-Oct. 31st plus weekends and holidays from Nov 1st-March 31st, as well as daytime visits anytime. Enjoy beautiful beaches, boating, great fishing, & a fabulous lifestyle making this home the perfect retreat! Close proximity to great restaurants, shopping & public transportation including the ferry to NYC!

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

8/10

Construction

Condition

  • Year built: 2017

Type & Style

  • Home type: SingleFamily
  • Architectural style: Custom
  • Property subType: Single Family Residence

Interior

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Recessed Lighting

Heating

  • Heating features: Electric

Interior Area

  • Total structure area: 1,500
  • Total interior livable area: 1,500 sqft

Property

Details

  • Parcel number: 4100072000000008
  • Zoning description: Residential
  • Exclusions: washer,dryer

Features

  • Stories: 2
  • Exterior features: Lighting
  • Has view: Yes
  • View description: River
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: Bulkhead,River Front

Parking

  • Parking features: Assigned,None

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Strong Wind
    Strong WindVery High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Heat Wave
Lightning
Winter Weather
Tsunami

FEMA Declared Disasters Across New Jersey Counties

Fire
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $6,568$78,816
Home Insurance *$415$4,980
Property Taxes $1,656$19,872
Electricity $193$2,318
Total$8,832$105,984
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$302,811/yr
40% on housing$264,960/yr
45% on housing$235,520/yr

New Jersey FAIR Plan Programs

New Jersey Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 7,029Commercial: 173
Total Premiums$5.54M
Total Exposure$1.19B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.2%
9.2%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$866This listing

vs Other Active Listings

Avg $/sqft

ZIP 07760$700
Monmouth County$424

vs Homes Sold Last Month

Median $/sqft

ZIP 07760$677
Monmouth County$384

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-29Price change$1,399,000
2026-03-18Listed for sale$1,499,000

For Sale by Agent

AgentJoan Penta McCoy
BrokerageBerkshire Hathaway HomeServices Fox & Roach - Rumson

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