21 Oak Crest Rd, West Orange, NJ 07052 Property Records

Essex County and West Orange Township property record for 21 Oak Crest Rd, West Orange, NJ 07052

Property Summary

Property Type	Single Family Home
Details	1,721 sqft · built 1951
Lot Size	0.204 acres (8,873 sqft)
Owner	2 Individual Names on File
Last Sale	$522,000 (Sep 2021)
Tax Bill	$16,936 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-00164-03-00006`

Property Details

APN / Parcel Number

Primary APN	`22-00164-03-00006`
Alternative APNs	`2200164000300006` `2200164C00006`

Interior

Stories	1 Story
Building Area	1,721 sqft Living Area

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Construction Type	Frame
Lot Area	8,873 sqft (0.204 acres)
Lot Dimensions	125 ft deep x 71 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	2200164C00006
Street Address	21 OAK CREST RD
City	WEST ORANGE
State	NJ
Zip	07052-1211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	71X125
Legal Subdivision	OAKS SEC 02
Legal Block	164.3
Legal Lot Number	6
Jurisdiction	ESSEX NJ
Township / Civil Division	WEST ORANGE
Census Block Group	6
Census Block	6001
Census Tract	17302

Owner

21 Oak Crest Rd is owned and occupied by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	21 OAK CREST RD, WEST ORANGE, NJ 07052-1211
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2020	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 28, 2021	Deed, Transfer · Conventional Mortgage NEW JERSEY LENDERS CORP
Jun 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2021 · Amount on File
Deed Sale	Sep 28, 2021 · Amount on File
Prior Sale	Apr 12, 2007 · Amount on File
Deed Document Number	2021118827
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	21 OAK CREST RD, WEST ORANGE, NJ 07052-1211
Transaction Type	Mortgage
Record Updated	Jun 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000103777
Date	Oct 21, 2020
Instrument	2020103777

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2045

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Sep 28, 2021
Property Address	21 OAK CREST RD, WEST ORANGE, NJ 07052-1211
Document Number	0000118827
Instrument Date	Sep 14, 2021
Instrument	2021118827
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	ACRES LAND TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,305.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21 OAK CREST RD, WEST ORANGE, NJ 07052-1211

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 OAK CREST RD, WEST ORANGE, NJ 07052-1211

Mortgage

Document Number	0000118828
Date	Sep 28, 2021
Instrument	2021118828

Lender

Name	NEW JERSEY LENDERS CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	21 OAK CREST RD, WEST ORANGE, NJ 07052-1211
Document Number	0000065354
Instrument Date	Jun 27, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 OAK CREST RD WEST ORANGE NJ 070521211, WEST ORANGE, NJ 07052-1211

Mortgage

Document Number	0000065354
Date	Jul 30, 2018
Instrument	65354

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 29, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 21 Oak Crest Rd was $16,936, up 10.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$644,700 (-) Land $302,300 Building $342,400	$644,700 (-) Land $302,300 Building $342,400
2025	$16,936.00 (+10.68%)	$644,700 Land $302,300 Building $342,400	$644,700 Land $302,300 Building $342,400
2024	$15,302.00
2023		$326,700 Land $137,300 Building $189,400	$326,700 Land $137,300 Building $189,400
2022	$14,495.00

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

Flood

FEMA maps place 21 Oak Crest Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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 Policies	2 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2015 · 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

Wildfire risk around 21 Oak Crest Rd 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 96% of the US · lower than 89% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 254 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

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