4 Willard Ln, Towaco, NJ 07082 Property Records

Morris County and Montville Township property record for 4 Willard Ln, Towaco, NJ 07082

Property Summary

Property Type	Single Family Home
Details	2,562 sqft · built 1965
Lot Size	0.457 acres (19,907 sqft)
Owner	2 Individual Names on Record
Last Sale	$386,000 (Mar 2002)
Tax Bill	$12,918 (2024)
Deeds & Mortgages	May 2023 Second Mortgage Jan 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`21-00119-0000-00004`

Property Details

APN / Parcel Number

Primary APN	`21-00119-0000-00004`
Alternative APN	`210011900004`

Interior

Stories	2 Stories
Building Area	2,562 sqft Living Area

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Construction Type	Frame
Lot Area	19,907 sqft (0.457 acres)
Lot Dimensions	199 ft deep x 100 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4 WILLARD LN
City	TOWACO
State	NJ
Zip	07082-1517
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20A
Legal Subdivision	FOREST PARK
Legal Block	119
Legal Lot Number	4
Jurisdiction	MORRIS NJ
Township / Civil Division	MONTVILLE
Census Block Group	3
Census Block	3003
Census Tract	40805

Owner

Source: Morris County and Montville Township records, as of July 9, 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	4 WILLARD LN, TOWACO, NJ 07082-1517
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LAKELAND BANK
Jan 13, 2022	Deed of Trust, Mortgage · Line of Credit LAKELAND BANK
Aug 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Feb 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage TRENTON BUSN ASSISTANCE
Feb 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage TRENTON BUSN ASSISTANCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2002 · Amount on Record
Deed Sale	Mar 26, 2002 · Amount on Record
Prior Sale	Dec 18, 2000 · Amount on Record
Deed Book / Page	5583 / 286
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORRIS NJ
Property Address	4 WILLARD LN, TOWACO, NJ 07082-1517
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0245941273
Date	May 3, 2023
Book Page	24594/1273
Instrument	2023015190

Lender

Name	LAKELAND BANK
Type	Bank
Address	OAK RIDGE, NJ 07438

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Apr 22, 2038

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORRIS NJ
Property Address	4 WILLARD LN, TOWACO, NJ 07082-1517
Transaction Type	Mortgage
Record Updated	Jan 31, 2022
Title Company	SEARCHTEC INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 WILLARD LN, TOWACO, NJ 07082-1517

Mortgage

Document Number	0243171425
Date	Jan 13, 2022
Book Page	24317/1425
Instrument	2022003985

Lender

Name	LAKELAND BANK
Type	Bank
Address	OAK RIDGE, NJ 07438

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	178 Months
Due	Nov 23, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORRIS NJ
Property Address	4 WILLARD LN, TOWACO, NJ 07082-1517
Transaction Type	Mortgage
Record Updated	Sep 2, 2021
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0241980273
Date	Aug 19, 2021
Book Page	24198/273
Instrument	2021069567

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2036

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORRIS NJ
Property Address	4 WILLARD LN, TOWACO, NJ 07082-1517
Document Number	0230920924
Instrument Date	Feb 13, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 WILLARD LN

Mortgage

Document Number	0230920924
Date	Mar 9, 2017
Book Page	023092/000924
Instrument	14960

Lender

Name	TRENTON BUSN ASSISTANCE
Address	MERCERVILLE, NJ 08619

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORRIS NJ
Property Address	4 WILLARD LN, TOWACO, NJ 07082-1517
Document Number	0230920932
Instrument Date	Feb 13, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230920932
Date	Mar 9, 2017
Book Page	023092/000932
Instrument	14961

Lender

Name	TRENTON BUSN ASSISTANCE
Address	MERCERVILLE, NJ 08619

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$512,200 (+5.83%) Land $222,900 Building $289,300	$512,200 (+5.83%) Land $222,900 Building $289,300
2025		$484,000 (-) Land $222,900 Building $261,100	$484,000 (-) Land $222,900 Building $261,100
2024	$12,918.00 (+3.9%)
2023		$484,000 Land $222,900 Building $261,100	$484,000 Land $222,900 Building $261,100
2022	$12,433.00

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 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	3 in force
Nearby Flood Claims	7 (1984–2021)
Claims Outside the SFHA	5 of 7
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 3 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 93% of the US · lower than 81% of New Jersey
Wildfire Likelihood	Under 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber	980 / 880

Cell Coverage

4G LTE (outdoors only), no 5G reported

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