45 Center St, Chatham, NJ 07928 Property Records

Morris County and Chatham Borough property record for 45 Center St, Chatham, NJ 07928

Property Summary

Property Type	Single Family Home
Details	2,852 sqft · built 2017
Lot Size	0.245 acres (10,650 sqft)
Owner	2 Individual Names on File
Last Sale	$1,600,000 (Nov 2022)
Tax Bill	$25,447 (2024)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Apr 2019 Mortgage + 3 more
APN	`04-00063-0000-00012`

Property Details

APN / Parcel Number

Primary APN	`04-00063-0000-00012`
Alternative APNs	`040006300012` `20707000`

Interior

Stories	1 Story
Building Area	2,852 sqft Living Area
1st Floor Area	2,852 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Frame
Lot Area	10,650 sqft (0.245 acres)
Lot Dimensions	150 ft deep x 71 ft wide

Location & Zoning

Account Number	20707000
Street Address	45 CENTER ST
City	CHATHAM
State	NJ
Zip	07928-2599
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Subdivision	CHATHAM
Legal Block	63
Legal Lot Number	12
Jurisdiction	MORRIS NJ
Township / Civil Division	CHATHAM
Census Block Group	2
Census Block	2006
Census Tract	42700

Owner

45 Center St is owned and occupied by two individuals who bought it in November 2022.

Source: Morris County and Chatham Borough records, as of July 9, 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 File
Mailing Address	45 CENTER ST, CHATHAM, NJ 07928-2599
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2022	Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Apr 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jul 19, 2017	Grant Deed, Subdivision Related Transfer · Conventional Mortgage WELLS FARGO BK
Mar 9, 2017	Trustee's Deed, Construction Loan · Construction Mortgage UNITY BK
Jan 5, 2017	Deed, Transfer · ARM UNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2022 · Amount on File
Deed Sale	Nov 22, 2022 · Amount on File
Prior Sale	Jul 19, 2017 · Amount on File
Deed Document Number	202274701
Deed Book / Page	24531 / 809
Record Updated	Sep 20, 2026

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MORRIS NJ
Recording Date	Nov 22, 2022
Property Address	45 CENTER ST, CHATHAM, NJ 07928-2599
Document Number	0245310809
Book / Page	24531 / 809
Instrument Date	Oct 28, 2022
Instrument	2022074701
Transaction Type	Transfer
Record Updated	Dec 2, 2022
Title Company	SIMPLICITY TITLE LLC, SIMPLICITY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$32,835.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	45 CENTER ST, 45, CHATHAM, NJ 07928-2599

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 CENTER ST, CHATHAM, NJ 07928-2599

Mortgage

Document Number	2022074702
Date	Nov 22, 2022
Instrument	2022074702

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Dec 1, 2029
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	10.1%
Index	1-Year T-Bill
Margin	3
Max Rate	10.1%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORRIS NJ
Property Address	45 CENTER ST, CHATHAM, NJ 07928-2599
Document Number	0235240467
Instrument Date	Apr 15, 2019
Transaction Type	Mortgage
Record Updated	Jun 6, 2019
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	73 WEHRLI RD LONG VALLEY NJ 078533418, LONG VALLEY, NJ 07853-3418

Mortgage

Document Number	0235240467
Date	Apr 23, 2019
Book Page	023524/000467
Instrument	19451

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 22, 2034

July 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	MORRIS NJ
Recording Date	Jul 19, 2017
Property Address	45 CENTER ST, CHATHAM, NJ 07928-2599
Document Number	0231631162
Book / Page	023163 / 001162
Instrument Date	Jul 6, 2017
Instrument	41471
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 5, 2019
Title Company	CHP TITLE AGENCY LLC, CHP TITLE AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,406.25
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	450 CENTER ST CHATHAM NJ 07928, CHATHAM, NJ 07928

Mortgage

Document Number	231631169
Date	Jul 19, 2017
Book Page	023163/001169
Instrument	41472

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 18, 2047

Interest

Rate Type	Adjustable Rate
Rate	3%

March 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MORRIS NJ
Recording Date	Mar 9, 2017
Property Address	45 CENTER ST, CHATHAM, NJ 07928-2599
Document Number	0230920750
Book / Page	023092 / 000750
Instrument Date	Feb 28, 2017
Instrument	14936
Transaction Type	Construction Loan
Record Updated	May 17, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	45 CENTER AVE CHATHAM NJ 07928, CHATHAM, NJ 07928

Mortgage

Document Number	230920750
Date	Mar 9, 2017
Book Page	023092/000750
Instrument	14936

Lender

Name	UNITY BK
Type	Bank
Address	CLINTON, NJ 08809

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Mar 8, 2018

Interest

Rate Type	Adjustable Rate

January 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MORRIS NJ
Recording Date	Jan 5, 2017
Property Address	45 CENTER ST, CHATHAM, NJ 07928-2599
Document Number	0230570333
Book / Page	23057 / 0333
Instrument Date	Nov 9, 2016
Instrument	2017000980
Transaction Type	Transfer
Record Updated	Nov 4, 2021
Title Company	WESTCOR LAND TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,219.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	333 GAWANY CT, 333, LONGS, SC 29568

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 CENTER ST, CHATHAM, NJ 07928-2599

Mortgage

Document Number	0230570338
Date	Jan 5, 2017
Book Page	23057/0338
Instrument	2017000981

Lender

Name	UNITY BANK
Type	Bank
Address	CLINTON, NJ 08809

Agreement

Type	ARM
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Dec 1, 2017
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.12%
Index	1-Year LIBOR
Max Rate	11.1%

Tax Assessment & Valuation

Source: Morris County and Chatham Borough assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Morris County
Municipality	Chatham Borough
Unified School District	The Chathams School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,571,800 (-) Land $536,100 Building $1,035,700	$1,571,800 (-) Land $536,100 Building $1,035,700
2025		$1,571,800 Land $536,100 Building $1,035,700	$1,571,800 Land $536,100 Building $1,035,700
2024	$25,447.00
2023		$1,571,800 Land $536,100 Building $1,035,700	$1,571,800 Land $536,100 Building $1,035,700
2022	$22,436.00

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 45 Center St; there have been 1 flood claim nearby since 2011.

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	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2011 · other causes

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 45 Center St is low, with less than 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 98% of the US · lower than 94% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	CHATHAM WATER DEPT serves 8,962 people · EPA ID NJ1404001
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	1 ppb (2022–2024) 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 563 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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