3 Forest St, Chatham, NJ 07928 Property Records

Morris County and Chatham Township property record for 3 Forest St, Chatham, NJ 07928

Property Summary

Property Type	Single Family Home
Details	2,531 sqft · built 1970
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,750,000 (Jul 2025)
Tax Bill	$18,247 (2024)
Deeds & Mortgages	Jul 2026 Line of Credit Apr 2026 Mortgage + 1 more
APN	`05-00109-0000-00115-14`

Property Details

APN / Parcel Number

Primary APN	`05-00109-0000-00115-14`
Alternative APNs	`05001090000001150014` `6226`

Interior

Stories	2 Stories
Building Area	2,531 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Construction Type	Frame
Lot Area	23,958 sqft (0.55 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	6226
Street Address	3 FOREST ST
City	CHATHAM
State	NJ
Zip	07928-1410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Block	109
Legal Lot Number	115
Jurisdiction	MORRIS NJ
Township / Civil Division	CHATHAM
Census Block Group	4
Census Block	4024
Census Tract	44000

Owner

Source: Morris County and Chatham Township records, as of August 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	3 FOREST ST, CHATHAM, NJ 07928-1410
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Deed of Trust, Mortgage · Line of Credit AFFINITY FEDERAL CREDIT UNION
Apr 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage COASTAL MORTGAGE SERVICES INC
Nov 13, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage HSBC BANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2025 · Amount on Record
Deed Sale	Jul 24, 2025 · Amount on Record
Prior Sale	Feb 17, 2011 · Amount on Record
Deed Document Number	202529512
Deed Book / Page	24953 / 236
Prior Transfer Date	Oct 18, 2019
Prior Transfer Doc	0236541213
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORRIS NJ
Recording Date	Jul 6, 2026
Property Address	3 FOREST ST, CHATHAM, NJ 07928-1410
Document Number	0000029302
Book / Page	25133 / 821
Instrument Date	Jun 13, 2026
Instrument	202629302
Transaction Type	Mortgage
Record Updated	Jul 16, 2026
Title Company	WESTCOR LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 FOREST ST, CHATHAM, NJ 07928-1410
Investor	Possibly a Property Investor

Mortgage

Document Number	0000029302,
Date	Jul 6, 2026
Book Page	25133/821
Instrument	202629302

Lender

Name	AFFINITY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORRIS NJ
Recording Date	Apr 10, 2026
Property Address	3 FOREST ST, CHATHAM, NJ 07928-1410
Document Number	0000015336
Book / Page	25088 / 1392
Instrument Date	Apr 3, 2026
Instrument	202615336
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 FOREST ST, CHATHAM, NJ 07928-1410
Investor	Possibly a Property Investor

Mortgage

Document Number	0000015336,
Date	Apr 10, 2026
Book Page	25088/1392
Instrument	202615336

Lender

Name	COASTAL MORTGAGE SERVICES INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

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

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MORRIS NJ
Recording Date	Nov 13, 2019
Property Address	3 FOREST ST, CHATHAM, NJ 07928-1410
Document Number	0236541213
Book / Page	23654 / 1213
Instrument Date	Oct 18, 2019
Instrument	2019064832
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	WESTCOR LAND TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 FOREST ST, CHATHAM, NJ 07928-1410

Mortgage

Document Number	2019064833
Date	Nov 13, 2019
Instrument	2019064833

Lender

Name	HSBC BANK USA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.55%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.55%
Index	1-Year LIBOR
Max Rate	7.55%

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		$917,400 (-) Land $595,000 Building $322,400	$917,400 (-) Land $595,000 Building $322,400
2025		$917,400 (-) Land $595,000 Building $322,400	$917,400 (-) Land $595,000 Building $322,400
2024	$18,247.00 (+2.21%)
2023		$917,400 Land $595,000 Building $322,400	$917,400 Land $595,000 Building $322,400
2022	$17,852.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	6 (1978–2012)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	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	0.01% 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 193 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Optimum.

Cell Coverage

5G (outdoors only) and 4G LTE

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