40 Thornley Dr, Chatham, NJ 07928 Property Records

Morris County and Chatham Township property record for 40 Thornley Dr, Chatham, NJ 07928

Property Summary

Property Type	Single Family Home
Details	4,603 sqft · built 1975
Lot Size	0.457 acres (19,907 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,800,000 (Sep 2025)
Tax Bill	$25,503 (2024)
Deeds & Mortgages	Aug 2026 Line of Credit Sep 2025 Sale & Mortgage
APN	`05-00048-04-00012`

Property Details

APN / Parcel Number

Primary APN	`05-00048-04-00012`
Alternative APNs	`0500048000400012` `1628`

Interior

Stories	2 Stories
Building Area	4,603 sqft Living Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Construction Type	Frame
Lot Area	19,907 sqft (0.457 acres)

Location & Zoning

Account Number	1628
Street Address	40 THORNLEY DR
City	CHATHAM
State	NJ
Zip	07928-1314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Subdivision	ROLLING WEST
Legal Block	48.4
Legal Lot Number	12
Jurisdiction	MORRIS NJ
Township / Civil Division	CHATHAM
Census Block Group	1
Census Block	1000
Census Tract	44000

Owner

Source: Morris County and Chatham Township records, as of September 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	40 THORNLEY DR, CHATHAM, NJ 07928-1314
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Sep 18, 2025	Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2025 · Amount on Record
Deed Sale	Sep 18, 2025 · Amount on Record
Prior Sale	Mar 13, 2003 · Amount on Record
Deed Document Number	202538231
Deed Book / Page	24981 / 703
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORRIS NJ
Recording Date	Aug 17, 2026
Property Address	40 THORNLEY DR, CHATHAM, NJ 07928-1314
Document Number	0000037020
Book / Page	25159 / 1014
Instrument Date	Jul 30, 2026
Instrument	202637020
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 THORNLEY DR, CHATHAM, NJ 07928-1314

Mortgage

Document Number	0000037020,
Date	Aug 17, 2026
Book Page	25159/1014
Instrument	202637020

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 3, 2051

Interest

Max Rate	-1%

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MORRIS NJ
Recording Date	Sep 18, 2025
Property Address	40 THORNLEY DR, CHATHAM, NJ 07928-1314
Document Number	0249810703
Book / Page	24981 / 703
Instrument Date	Aug 20, 2025
Instrument	2025038231
Transaction Type	Transfer
Record Updated	Oct 3, 2025
Title Company	FOUNDATION TITLE, FOUNDATION TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28,115.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7 BENEDICTINE RETREAT, SAVANNAH, GA 31411-1624

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 THORNLEY DR, CHATHAM, NJ 07928-1314

Mortgage

Document Number	2025038232
Date	Sep 18, 2025
Instrument	2025038232

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Sep 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.6%
Index	SOFR Average 30-Day
Max Rate	10.6%

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		$1,282,200 (-) Land $745,700 Building $536,500	$1,282,200 (-) Land $745,700 Building $536,500
2025		$1,282,200 (-) Land $745,700 Building $536,500	$1,282,200 (-) Land $745,700 Building $536,500
2024	$25,503.00 (+1.69%)	$1,282,200 (-) Land $745,700 Building $536,500	$1,282,200 (-) Land $745,700 Building $536,500
2023	$25,079.00 (+0.51%)	$1,282,200 Land $745,700 Building $536,500	$1,282,200 Land $745,700 Building $536,500
2022	$24,951.00

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2011 · Hurricane Irene

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 233 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Optimum.

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