396 River Rd, Chatham, NJ 07928 Property Records

Morris County and Chatham Township property record for 396 River Rd, Chatham, NJ 07928

Property Summary

Property Type	Single Family Home
Details	3,801 sqft · built 2009
Lot Size	5.88 acres (256,438 sqft)
Owner	2 Individual Names on File
Tax Bill	$26,271 (2024)
Deeds & Mortgages	Nov 2021 Mortgage Dec 2020 Transfer + 1 more
APN	`05-00062-0000-00085`

Property Details

APN / Parcel Number

Primary APN	`05-00062-0000-00085`
Alternative APNs	`050006200085` `3524`

Interior

Building Area	3,801 sqft Living Area

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Lot Area	256,438 sqft

Location & Zoning

Account Number	3524
Street Address	396 RIVER RD
City	CHATHAM
State	NJ
Zip	07928-1275
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Block	62
Legal Lot Number	85
Jurisdiction	MORRIS NJ
Township / Civil Division	CHATHAM
Census Block Group	3
Census Block	3000
Census Tract	44000

Owner

396 River Rd is owned and occupied by two individuals who acquired it in November 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	396 RIVER RD, CHATHAM, NJ 07928-1275
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
Nov 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 7, 2020	Quit Claim Deed, Transfer WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO
Aug 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage SPENCER SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 20, 2020
Transfer Doc	0239581186
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORRIS NJ
Property Address	396 RIVER RD, CHATHAM, NJ 07928-1275
Transaction Type	Mortgage
Record Updated	Nov 22, 2021
Title Company	ACRES LAND TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0242631165
Date	Nov 8, 2021
Book Page	24263/1165
Instrument	2021091113

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	167 Months
Due	Oct 1, 2035

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MORRIS NJ
Recording Date	Dec 7, 2020
Property Address	396 RIVER RD, CHATHAM, NJ 07928-1275
Document Number	0239581186
Book / Page	023958 / 001186
Instrument Date	Nov 20, 2020
Instrument	91382
Transaction Type	Transfer
Record Updated	Dec 16, 2020
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	396 RIVER RD CHATHAM NJ 079281275, CHATHAM, NJ 07928-1275

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORRIS NJ
Property Address	396 RIVER RD, CHATHAM, NJ 07928-1275
Document Number	0231990408
Book / Page	023199 / 000408
Instrument Date	Aug 23, 2017
Transaction Type	Mortgage
Record Updated	Jan 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	396 RIVER RD CHATHAM NJ 079281275, CHATHAM, NJ 07928-1275

Mortgage

Document Number	0231990408
Date	Sep 6, 2017
Book Page	023199/000408
Instrument	53911

Lender

Name	SPENCER SVGS BK
Type	Federal Savings Bank
Address	ELMWOOD PARK, NJ 07407

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 5, 2032

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		$1,320,800 (-) Land $403,200 Building $917,600	$1,320,800 (-) Land $403,200 Building $917,600
2025		$1,320,800 Land $403,200 Building $917,600	$1,320,800 Land $403,200 Building $917,600
2024	$26,271.00
2023		$1,320,800 Land $403,200 Building $917,600	$1,320,800 Land $403,200 Building $917,600
2022	$25,702.00

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 396 River Rd; there have been 5 flood claims nearby since 1990.

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

FEMA Flood Zone	Not on file
Nearby Flood Policies	5 in force
Nearby Flood Claims	5 (1990–2022)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Sep 2022 · other causes
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

Wildfire risk around 396 River Rd 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 232 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.

Nearby Properties on River Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures