285 Hillcrest Rd, Watchung, NJ 07069 Property Records

Somerset County and Watchung Borough property record for 285 Hillcrest Rd, Watchung, NJ 07069

Property Summary

Property Type	Single Family Home
Details	2,376 sqft · built 1900
Lot Size	1.55 acres (67,518 sqft)
Owner	2 Individual Names on Record
Last Sale	$705,000 (Jul 2022)
Tax Bill	$14,457 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Feb 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-04102-0000-00009`

Property Details

APN / Parcel Number

Primary APN	`21-04102-0000-00009`
Alternative APN	`210410200009`

Interior

Stories	2 Stories
Building Area	2,376 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	67,518 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	285 HILLCREST RD
City	WATCHUNG
State	NJ
Zip	07069-5416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-R
Legal Description	ADDITIONAL LOTS: LIFEEST FRANKGORESKI OID 41 4.A
Legal Block	4102
Legal Lot Number	9
Jurisdiction	SOMERSET NJ
Township / Civil Division	WATCHUNG
Census Block Group	3
Census Block	3000
Census Tract	52300

Owner

Source: Somerset County and Watchung Borough records, as of July 14, 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	285 HILLCREST RD, WATCHUNG, NJ 07069-5416
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Deed of Trust, Mortgage · Line of Credit ALLIANT CREDIT UNION
Feb 5, 2026	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Jul 7, 2022	Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2022 · Amount on Record
Deed Sale	Jul 7, 2022 · Amount on Record
Prior Sale	Aug 18, 2015 · Amount on Record
Deed Document Number	202230173
Deed Book / Page	7456 / 746
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Recording Date	Jul 6, 2026
Property Address	285 HILLCREST RD, WATCHUNG, NJ 07069-5416
Document Number	0000018666
Book / Page	7690 / 69
Instrument Date	Jun 10, 2026
Instrument	202618666
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	FIRST AMERICAN TITLE INSURAN C, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 HILLCREST RD, WATCHUNG, NJ 07069-5416

Mortgage

Document Number	0000018666,
Date	Jul 6, 2026
Book Page	7690/69
Instrument	202618666

Lender

Name	ALLIANT CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	285 HILLCREST RD, WATCHUNG, NJ 07069-5416
Transaction Type	Mortgage
Record Updated	Feb 18, 2026
Title Company	UNKNOWN, TITLE365 COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 HILLCREST RD, PLAINFIELD, NJ 07069-5416

Mortgage

Document Number	0000003510
Date	Feb 5, 2026
Book Page	7664/1797
Instrument	2026003510

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 28, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Jul 7, 2022
Property Address	285 HILLCREST RD, WATCHUNG, NJ 07069-5416
Document Number	0000030173
Book / Page	7456 / 746
Instrument Date	Jun 2, 2022
Instrument	2022030173
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	ALL JERSEY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,298.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	179 GROVEWOOD WAY, 179, MURRELLS INLET, SC 29576-6919

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 HILLCREST RD, WATCHUNG, NJ 07069-5416

Mortgage

Document Number	0000030174
Date	Jul 7, 2022
Instrument	2022030174

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

Source: Somerset County and Watchung Borough assessment roll, as of July 7, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$785,600 (+6.08%) Land $352,000 Building $433,600	$785,600 (+6.08%) Land $352,000 Building $433,600
2025	$14,457.00 (+6.69%)	$740,600 (+15.85%) Land $328,900 Building $411,700	$740,600 (+15.85%) Land $328,900 Building $411,700
2024	$13,550.00 (+7.26%)
2023		$639,300 Land $278,700 Building $360,600	$639,300 Land $278,700 Building $360,600
2022	$12,633.00

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

Flood

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
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	15 (1978–2025)
Most Recent Claim	Jul 2025 · rainfall accumulation
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 4 claims Hurricane Irene, Aug 2011 · 2 claims

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable · Fiber in parts of the area	940 / 35
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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