Morris County and Montville Township property record for 138 Waughaw Rd, Towaco, NJ 07082
| Property Type | Single Family Home |
|---|---|
| Details | 2,595 sqft · built 1978 |
| Lot Size | 1.19 acres (52,054 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $675,000 (Apr 2021) |
| Tax Bill | $14,423 (2024) |
| Deeds & Mortgages | Feb 2017 Mortgage Apr 2021 Sale & Mortgage + 1 more |
| APN | 21-00021-1-00016 |
| Primary APN | 21-00021-1-00016 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,595 sqft Living Area |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Construction Type | Frame |
| Lot Area | 52,054 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 138 WAUGHAW RD |
|---|---|
| City | TOWACO |
| State | NJ |
| Zip | 07082-1209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R80 |
| Legal Block | 21.1 |
| Legal Lot Number | 16 |
| Jurisdiction | MORRIS NJ |
| Township / Civil Division | MONTVILLE |
| Census Block Group | 3 |
| Census Block | 3031 |
| Census Tract | 40801 |
Source: Morris County and Montville Township records, as of July 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 138 WAUGHAW RD, TOWACO, NJ 07082-1209 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 10, 2017 | Deed of Trust, Mortgage · Commercial Mortgage LAKELAND BANK |
| Apr 1, 2021 | Deed, Transfer · Stand-Alone First Mortgage JOSEPHINE AVERSA |
| Jan 27, 2017 | Deed of Trust, Mortgage · Conventional Mortgage LAKELAND BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 2021 · Amount on Record |
| Deed Sale | Apr 1, 2021 · Amount on Record |
| Prior Sale | Dec 22, 2011 · Amount on Record |
| Deed Document Number | 202133324 |
| Deed Book / Page | 24088 / 1352 |
| Prior Transfer Date | Mar 23, 2006 |
| Prior Transfer Doc | 0066010284 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORRIS NJ |
| Property Address | 138 WAUGHAW RD, TOWACO, NJ 07082-1209 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0230781525 |
|---|---|
| Date | Feb 10, 2017 |
| Book Page | 23078/1525 |
| Instrument | 2017009396 |
| Name | LAKELAND BANK |
|---|---|
| Type | Bank |
| Address | OAK RIDGE, NJ 07438 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Feb 1, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | MORRIS NJ |
| Recording Date | Apr 1, 2021 |
| Property Address | 138 WAUGHAW RD, TOWACO, NJ 07082-1209 |
| Document Number | 0240881352 |
| Book / Page | 24088 / 1352 |
| Instrument Date | Nov 17, 2020 |
| Instrument | 2021033324 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2021 |
| Title Company | PRESTIGE TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,802.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 198 ROCKO DR, 198, MYRTLE BEACH, SC 29579-8373 |
| Name | Verified Name |
|---|---|
| Address | 138 WAUGHAW RD, TOWACO, NJ 07082-1209 |
| Document Number | 2021033325 |
|---|---|
| Date | Apr 1, 2021 |
| Instrument | 2021033325 |
| Name | JOSEPHINE AVERSA |
|---|---|
| Type | Private Party |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORRIS NJ |
| Property Address | 138 WAUGHAW RD, TOWACO, NJ 07082-1209 |
| Document Number | 0239821672 |
| Instrument Date | Jan 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2021 |
| Title Company | SEARCHTEC INC |
| Name | Verified Name |
|---|---|
| Address | 138 WAUGHAW RD TOWACO NJ 070821209, TOWACO, NJ 07082-1209 |
| Document Number | 0239821672 |
|---|---|
| Date | Dec 31, 2020 |
| Book Page | 023982/001672 |
| Instrument | 99683 |
| Name | LAKELAND BK |
|---|---|
| Type | Bank |
| Address | OAK RIDGE, NJ 07438 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 264 Months |
| Due | Dec 30, 2042 |
| Rate Type | Adjustable Rate |
|---|
Source: Morris County and Montville Township assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Morris County |
| County Subdivision | Montville Township |
| Unified School District | Montville Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $540,400 (-) Land $223,000 Building $317,400 | $540,400 (-) Land $223,000 Building $317,400 | |
| 2025 | $540,400 (-) Land $223,000 Building $317,400 | $540,400 (-) Land $223,000 Building $317,400 | |
| 2024 | $14,423.00 (+3.9%) | ||
| 2023 | $540,400 Land $223,000 Building $317,400 | $540,400 Land $223,000 Building $317,400 | |
| 2022 | $13,882.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (1978–1979) |
| Most Recent Claim | Sep 1979 · tidal / storm surge |
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.
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 | MONTVILLE TWP MUA serves 22,000 people · EPA ID NJ1421003 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Feb 2026 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | Treatment failure not recorded as resolved · Aug 2025 |
|---|---|
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 980 / 880 |
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