21 Spring St, Chatham, NJ 07928 Property Records

Morris County and Chatham Township property record for 21 Spring St, Chatham, NJ 07928

Property Summary

Property Type	Single Family Home
Details	4,076 sqft · built 1949
Lot Size	0.787 acres (34,282 sqft)
Owner	2 Individual Names on File
Last Sale	$1,920,000 (Jun 2026)
Tax Bill	$23,053 (2024)
Deeds & Mortgages	Nov 2023 Mortgage Jun 2026 Sale & Mortgage
APN	`05-00102-11-00015`

Property Details

APN / Parcel Number

Primary APN	`05-00102-11-00015`
Alternative APNs	`0500102001100015` `6022`

Interior

Stories	1 Story
Building Area	4,076 sqft Living Area

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Construction Type	Frame
Lot Area	34,282 sqft (0.787 acres)
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	6022
Street Address	21 SPRING ST
City	CHATHAM
State	NJ
Zip	07928-1612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Block	102
Legal Lot Number	15
Jurisdiction	MORRIS NJ
Township / Civil Division	CHATHAM
Census Block Group	1
Census Block	1027
Census Tract	43900

Owner

21 Spring St is owned and occupied by two individuals who bought it in June 2026.

Source: Morris County and Chatham Township records, as of July 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	21 SPRING ST, CHATHAM, NJ 07928-1612
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
Nov 29, 2023	Deed of Trust, Mortgage · Conventional Mortgage LUXURY MORTGAGE CORP
Jun 8, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage CITIBANK NYS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2026 · Amount on File
Deed Sale	Jun 8, 2026 · Amount on File
Prior Sale	Jun 10, 1994 · Amount on File
Deed Document Number	202624770
Deed Book / Page	25119 / 846
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORRIS NJ
Property Address	21 SPRING ST, CHATHAM, NJ 07928-1612
Transaction Type	Mortgage
Record Updated	Jun 25, 2026
Title Company	DISTINCT TITLE LLC, DISTINCT TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 SPRING ST, CHATHAM, NJ 07928-1612

Mortgage

Document Number	0246860756
Date	Nov 29, 2023
Book Page	24686/756
Instrument	2023045478

Lender

Name	LUXURY MORTGAGE CORP
Type	Mortgage Company
Address	STAMFORD, CT 06901

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

June 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	MORRIS NJ
Recording Date	Jun 8, 2026
Property Address	21 SPRING ST, CHATHAM, NJ 07928-1612
Document Number	0000024770
Book / Page	25119 / 846
Instrument Date	May 28, 2026
Instrument	202624770
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	SIMPLICITY TITLE LLC, SIMPLICITY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$193,920.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 SPRING ST, CHATHAM, NJ 07928-1612

Mortgage

Document Number	0000024771,
Date	Jun 8, 2026
Book Page	25119/854
Instrument	202624771

Lender

Name	CITIBANK NYS

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

Source: Morris County and Chatham Township assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Morris County
County Subdivision	Chatham Township
Unified School District	The Chathams School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,159,000 (-) Land $678,700 Building $480,300	$1,159,000 (-) Land $678,700 Building $480,300
2025		$1,159,000 Land $678,700 Building $480,300	$1,159,000 Land $678,700 Building $480,300
2024	$23,053.00
2023		$1,159,000 Land $678,700 Building $480,300	$1,159,000 Land $678,700 Building $480,300
2022	$22,554.00

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

Flood

FEMA has no flood map on file for 21 Spring St; there have been 1 flood claim nearby since 2021.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

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 Spring St is low, with 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 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood	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 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Optimum.

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