103 Cypress St, Millburn, NJ 07041 Property Records

Essex County and Millburn Township property record for 103 Cypress St, Millburn, NJ 07041

Property Summary

Property Type	Single Family Home
Details	2,300 sqft · built 1910
Lot Size	0.276 acres (12,001 sqft)
Owner	2 Individual Names on File
Last Sale	$1,406,000 (Jul 2025)
Tax Bill	$15,883 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jun 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`12-00207-0000-00002`

Property Details

APN / Parcel Number

Primary APN	`12-00207-0000-00002`
Alternative APNs	`120020700002` `07041`

Interior

Stories	2 Stories
Building Area	2,300 sqft Living Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Construction Type	Frame
Lot Area	12,001 sqft (0.276 acres)
Lot Dimensions	150 ft deep x 80 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	103 CYPRESS ST
City	MILLBURN
State	NJ
Zip	07041-2027
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	80X150
Legal Subdivision	TOWNSHIP/MILLBURN
Legal Block	207
Legal Lot Number	2
Jurisdiction	ESSEX NJ
Township / Civil Division	MILLBURN
Census Block Group	3
Census Block	3003
Census Tract	20200

Owner

103 Cypress St is owned and occupied by two individuals who bought it in July 2025.

Source: Essex County and Millburn Township records, as of July 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	103 CYPRESS ST, MILLBURN, NJ 07041-2027
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage TD BANK NA
Jun 15, 2023	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2025 · Amount on File
Deed Sale	Jul 9, 2025 · Amount on File
Prior Sale	Feb 27, 2004 · Amount on File
Deed Document Number	202542678
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	103 CYPRESS ST, MILLBURN, NJ 07041-2027
Transaction Type	Mortgage
Record Updated	Mar 26, 2026
Title Company	NORTH BERGEN TITLE AGENCY INC, NORTH BERGEN TITLE AGCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 CYPRESS ST, MILLBURN, NJ 07041-2027

Mortgage

Document Number	0000013901
Date	Mar 4, 2026
Instrument	2026013901

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Mar 1, 2031
Change Frequency	6 Months
Min Rate At Change	3.37%
Max Rate At Change	7.37%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.3%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	103 CYPRESS ST, MILLBURN, NJ 07041-2027
Transaction Type	Mortgage
Record Updated	Jul 19, 2023
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 CYPRESS ST, MILLBURN, NJ 07041-2027

Mortgage

Document Number	0000036066
Date	Jun 15, 2023
Instrument	2023036066

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 103 Cypress St was $15,883, up 1.9% from the year before.

Source: Essex County and Millburn Township assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Essex County
County Subdivision	Millburn Township
Unified School District	Millburn Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$786,700 (-) Land $498,100 Building $288,600	$786,700 (-) Land $498,100 Building $288,600
2025	$15,883.00 (+1.87%)	$786,700 Land $498,100 Building $288,600	$786,700 Land $498,100 Building $288,600
2024	$15,592.00
2023		$786,700 Land $498,100 Building $288,600	$786,700 Land $498,100 Building $288,600
2022	$15,285.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 103 Cypress St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective September 24, 2020 · 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
Nearby Flood Claims	6 (1978–2015)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Jun 2015

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

Wildfire risk around 103 Cypress St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 97.3% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NJ AMERICAN WATER - SHORT HILLS private · serves 217,230 people · EPA ID NJ0712001
Water Source	Surface water
Last State Inspection	Nov 2022
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 352 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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