Somerset County and Watchung Borough property record for 115 Orchard Rd, Watchung, NJ 07069
| Property Type | Single Family Home |
|---|---|
| Details | 6,409 sqft · built 1959 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,025,000 (Jul 2017) |
| Tax Bill | $25,257 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Jul 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-04301-0000-00030 |
| Primary APN | 21-04301-0000-00030 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 6,409 sqft Living Area |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Construction Type | Frame |
| Lot Area | 87,120 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | S001 |
|---|---|
| Street Address | 115 ORCHARD RD |
| City | WATCHUNG |
| State | NJ |
| Zip | 07069-6025 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-R |
| Legal Description | ADDITIONAL LOTS: OID 43 30.T |
| Legal Subdivision | GRANTOR HEREING BY DEED FROM SAMIAPPAN |
| Legal Block | 4301 |
| Legal Lot Number | 30 |
| Jurisdiction | SOMERSET NJ |
| Township / Civil Division | WATCHUNG |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 52300 |
115 Orchard Rd is owned and occupied by two individuals who bought it in July 2017.
Source: Somerset County and Watchung Borough records, as of July 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 115 ORCHARD RD, WATCHUNG, NJ 07069-6025 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PINNACLE MORTGAGE INC |
| Jul 13, 2017 | Deed, Transfer · ARM PINNACLE MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 13, 2017 · Amount on File |
| Deed Sale | Jul 13, 2017 · Amount on File |
| Deed Document Number | 201727569 |
| Deed Book / Page | 6973 / 2945 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Property Address | 115 ORCHARD RD, WATCHUNG, NJ 07069-6025 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002111 |
|---|---|
| Date | Jan 11, 2021 |
| Book Page | 7295/2810 |
| Instrument | 2021002111 |
| Name | PINNACLE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | EAST HANOVER, NJ 07936 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2036 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Recording Date | Jul 13, 2017 |
| Property Address | 115 ORCHARD RD, WATCHUNG, NJ 07069-6025 |
| Document Number | 0000027569 |
| Book / Page | 6973 / 2945 |
| Map Reference | DD1517 PG690 |
| Instrument Date | Jun 20, 2017 |
| Instrument | 2017027569 |
| Transaction Type | Transfer |
| Record Updated | Nov 5, 2021 |
| Title Company | OLD REPUBLIC NATL TITLE NS C |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,877.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 115 ORCHARD RD, 115, WATCHUNG, NJ 07069-6025 |
| Name | Verified Name |
|---|---|
| Address | 115 ORCHARD RD, WATCHUNG, NJ 07069-6025 |
| Document Number | 0000027570 |
|---|---|
| Date | Jul 13, 2017 |
| Instrument | 2017027570 |
| Name | PINNACLE MORTGAGE INC |
|---|---|
| Type | Lending Institution |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Type Change Date | Jul 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.5% |
| Index | 1-Year LIBOR |
| Max Rate | 8.5% |
The 2025 property tax bill for 115 Orchard Rd was $25,257, up 6.4% from the year before.
Source: Somerset County and Watchung Borough assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Somerset County |
| Municipality | Watchung Borough |
| Elementary School District | Watchung Borough School District (KG - 08) |
| Secondary School District | Watchung Hills Regional School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,365,600 (+5.54%) Land $458,700 Building $906,900 | $1,365,600 (+5.54%) Land $458,700 Building $906,900 | |
| 2025 | $25,257.00 (+6.35%) | $1,293,900 Land $432,800 Building $861,100 | $1,293,900 Land $432,800 Building $861,100 |
| 2024 | $23,748.00 | ||
| 2023 | $1,121,800 Land $374,000 Building $747,800 | $1,121,800 Land $374,000 Building $747,800 | |
| 2022 | $22,884.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 115 Orchard Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1978.
Source: FEMA National Flood Hazard Layer, effective September 3, 2025 · 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 Policies | 10 units insured incl. 4 condo units |
| Nearby Flood Claims | 4 (1978–2011) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Aug 2011 · rainfall accumulation |
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 risk around 115 Orchard Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NJ AMERICAN WATER - RARITAN private · serves 615,430 people · EPA ID NJ2004002 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 124 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
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