Essex County and Millburn Township property record for 40 Oval Rd, Millburn, NJ 07041
| Property Type | Single Family Home |
|---|---|
| Details | 2,218 sqft · built 1962 |
| Lot Size | 0.23 acres (10,001 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,350,000 (Oct 2025) |
| Tax Bill | $17,723 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Oct 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-00506-0000-00005 |
| Primary APN | 12-00506-0000-00005 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,218 sqft Living Area |
| 1st Floor Area | 2,218 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Construction Type | Frame |
| Lot Area | 10,001 sqft (0.23 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 40 OVAL RD |
|---|---|
| City | MILLBURN |
| State | NJ |
| Zip | 07041-1405 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 80X125 |
| Legal Subdivision | MILLBURN ESTATES |
| Legal Block | 506 |
| Legal Lot Number | 5 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | MILLBURN |
| Census Block Group | 5 |
| Census Block | 5006 |
| Census Tract | 20200 |
Source: Essex County and Millburn Township records, as of July 2, 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 | 40 OVAL RD, MILLBURN, NJ 07041-1405 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Feb 3, 2026 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Oct 14, 2025 | Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC |
| Aug 30, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 14, 2025 · Amount on Record |
| Deed Sale | Oct 14, 2025 · Amount on Record |
| Prior Sale | Nov 19, 2014 · Amount on Record |
| Deed Document Number | 202564081 |
| Prior Transfer Date | Dec 10, 2013 |
| Prior Transfer Doc | 0014001752 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 40 OVAL RD, MILLBURN, NJ 07041-1405 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | NORTH BERGEN TITLE AGENCY INC, NORTH BERGEN TITLE AGCY INC |
| Name | Verified Name |
|---|---|
| Address | 40 OVAL RD, MILLBURN, NJ 07041-1405 |
| Document Number | 0000007161 |
|---|---|
| Date | Feb 3, 2026 |
| Instrument | 2026007161 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Type Change Date | Feb 1, 2033 |
| Change Frequency | Monthly |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.2% |
| Index | 1-Year T-Bill |
| Max Rate | 10.2% |
| Document Type | Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Oct 14, 2025 |
| Property Address | 40 OVAL RD, MILLBURN, NJ 07041-1405 |
| Document Number | 0000064081 |
| Instrument Date | Sep 30, 2025 |
| Instrument | 2025064081 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,905.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 685 WESTWOOD AVE, RIVER VALE, NJ 07675-6335 |
| Name | Verified Name |
|---|---|
| Address | 40 OVAL RD, MILLBURN, NJ 07041-1405 |
| Document Number | 0000064082 |
|---|---|
| Date | Oct 14, 2025 |
| Instrument | 2025064082 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Aug 30, 2023 |
| Property Address | 40 OVAL RD, MILLBURN, NJ 07041-1405 |
| Document Number | 0000052497 |
| Instrument Date | Aug 22, 2023 |
| Instrument | 2023052497 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 40 OVAL RD, MILLBURN, NJ 07041-1405 |
| Name | Verified Name |
|---|---|
| Address | 40 OVAL RD, MILLBURN, NJ 07041-1405 |
Source: Essex County and Millburn Township assessment roll, as of July 2, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Essex County |
| County Subdivision | Millburn Township |
| Unified School District | Millburn Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $877,800 (-) Land $550,300 Building $327,500 | $877,800 (-) Land $550,300 Building $327,500 | |
| 2025 | $17,723.00 (+3.35%) Veteran's exemption | $877,800 (-) Land $550,300 Building $327,500 | $877,800 (-) Land $550,300 Building $327,500 |
| 2024 | $17,148.00 (+2.04%) | ||
| 2023 | $877,800 (-) Land $550,300 Building $327,500 | $877,800 (-) Land $550,300 Building $327,500 | |
| 2022 | $16,805.00 (+6.43%) Veteran's exemption | $877,800 Land $550,300 Building $327,500 | $877,800 Land $550,300 Building $327,500 |
| 2021 | $15,790.00 |
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 September 24, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 43 policies |
| Nearby Flood Policies | 43 in force |
| Nearby Flood Claims | 92 (1978–2021) |
| Claims Outside the SFHA | 89 of 92 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
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 97% of the US · lower than 92% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 198 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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