I have lived in Monmouth Beach for over 30 years. This is an awesome family friendly community, surrounded by the Shresbury River and the Atlantic Ocean. Please ignore the comments about Mosquitos. We don't have any more than Dorothy in Kansas. Flooding is an issue but it is something you learn to deal with. The ocean usually isnt a threat...only in a hurricane. Hurricane Irene did more damage in surrounding towns than here.
I am the broker/owner of the GANNON HOLSEY GROUP in Monmouth Beach. Let my experience, knowledge and negotiating skills work for you!!
More seriously, figure out the nearest coffee shop or diner nearest the potential purchase, and go and ask folks how they like living there. Most folks are happy to give you feedback if you ask in a non-threatening environment.