Morris County and Montville Township property record for 28 Pepper Rd, Towaco, NJ 07082
| Property Type | Single Family Home |
|---|---|
| Details | 2,232 sqft · built 1959 |
| Lot Size | 0.82 acres (35,719 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $980,000 (Aug 2026) |
| Tax Bill | $13,897 (2024) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Nov 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-00115-0000-00001 |
| Primary APN | 21-00115-0000-00001 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,232 sqft Living Area |
| 1st Floor Area | 2,232 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 35,719 sqft (0.82 acres) |
| Lot Dimensions | 320 ft deep x 100 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 28 PEPPER RD |
|---|---|
| City | TOWACO |
| State | NJ |
| Zip | 07082-1357 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R43 |
| Legal Subdivision | WILLIAM A HEWLETT PROP SEC 2 |
| Legal Block | 115 |
| Legal Lot Number | 1 |
| Jurisdiction | MORRIS NJ |
| Township / Civil Division | MONTVILLE |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 40805 |
Source: Morris County and Montville Township records, as of August 20, 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 | 28 PEPPER RD, TOWACO, NJ 07082-1357 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Aug 10, 2026 | Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE |
| Nov 30, 2022 | Deed of Trust, Mortgage · Line of Credit RIDGEDALE FEDERAL CU |
| Mar 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage INVESTORS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 10, 2026 · Amount on Record |
| Deed Sale | Aug 10, 2026 · Amount on Record |
| Prior Sale | Aug 6, 1997 · Amount on Record |
| Deed Document Number | 202635879 |
| Deed Book / Page | 25155 / 1327 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MORRIS NJ |
| Recording Date | Aug 10, 2026 |
| Property Address | 28 PEPPER RD, TOWACO, NJ 07082-1357 |
| Document Number | 0000035879 |
| Book / Page | 25155 / 1327 |
| Instrument Date | Aug 3, 2026 |
| Instrument | 202635879 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2026 |
| Title Company | TWO RIVERS TITLE COMPANY LLC, TWO RIVERS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $98,980.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 28 PEPPER RD, TOWACO, NJ 07082-1357 |
| Document Number | 0000035880, |
|---|---|
| Date | Aug 10, 2026 |
| Instrument | 202635880 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORRIS NJ |
| Property Address | 28 PEPPER RD, TOWACO, NJ 07082-1357 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0245340446 |
|---|---|
| Date | Nov 30, 2022 |
| Book Page | 24534/446 |
| Instrument | 2022075629 |
| Name | RIDGEDALE FEDERAL CU |
|---|---|
| Type | Credit Union |
| Address | EAST HANOVER, NJ 07936 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Oct 21, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORRIS NJ |
| Property Address | 28 PEPPER RD, TOWACO, NJ 07082-1357 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2022 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Name | Verified Name |
|---|
| Document Number | 0240440889 |
|---|---|
| Date | Mar 2, 2021 |
| Book Page | 24044/889 |
| Instrument | 2021019336 |
| Name | INVESTORS BANK |
|---|---|
| Type | Bank |
| Address | MILLBURN, NJ 07041 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
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 | $520,700 (-) Land $226,000 Building $294,700 | $520,700 (-) Land $226,000 Building $294,700 | |
| 2025 | $520,700 (-) Land $226,000 Building $294,700 | $520,700 (-) Land $226,000 Building $294,700 | |
| 2024 | $13,897.00 (+3.9%) | ||
| 2023 | $520,700 Land $226,000 Building $294,700 | $520,700 Land $226,000 Building $294,700 | |
| 2022 | $13,376.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective August 18, 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 | 1 in force |
| Nearby Flood Claims | 3 (1999–2021) |
| Claims Outside the SFHA | 2 of 3 |
| 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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 186 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| Optimum Cable · Fiber in parts of the area | 940 / 35 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures