45 Gallowae, Watchung, NJ 07069 Property Records

Somerset County and Watchung Borough property record for 45 Gallowae, Watchung, NJ 07069

Property Summary

Property Type	Single Family Home
Details	7,870 sqft · built 2003
Lot Size	1.03 acres (45,302 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,875,000 (Jul 2021)
Tax Bill	$43,286 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-04402-0000-00005`

Property Details

APN / Parcel Number

Primary APN	`21-04402-0000-00005`
Alternative APNs	`210440200005` `S0001`

Interior

Stories	2 Stories
Building Area	7,870 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Construction Type	Frame
Lot Area	45,302 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Account Number	S0001
Street Address	45 GALLOWAE
City	WATCHUNG
State	NJ
Zip	07069-6413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RML4
Legal Block	4402
Legal Lot Number	5
Jurisdiction	SOMERSET NJ
Township / Civil Division	WATCHUNG
Census Block Group	2
Census Block	2015
Census Tract	52300

Owner

Source: Somerset County and Watchung Borough records, as of July 7, 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	45 GALLOWAE, WATCHUNG, NJ 07069-6413
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2021 · Amount on Record
Deed Sale	Jul 19, 2021 · Amount on Record
Prior Sale	Oct 16, 1991 · Amount on Record
Deed Document Number	202143658
Deed Book / Page	7363 / 2595
Record Updated	Sep 20, 2026

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Jul 19, 2021
Property Address	45 GALLOWAE, WATCHUNG, NJ 07069-6413
Document Number	0000043658
Book / Page	7363 / 2595
Instrument Date	Jun 23, 2021
Instrument	2021043658
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	PROVIDENCE ABSTRACT LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 TIFFANY WAY, 5, WARREN, NJ 07059-5666

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	45 GALLOWAE, WATCHUNG, NJ 07069-6413

Mortgage

Document Number	0000043659
Date	Jul 19, 2021
Instrument	2021043659

Lender

Name	KWIK MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Somerset County and Watchung Borough assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Somerset County
Municipality	Watchung Borough
Elementary School District	Watchung Borough School District (KG - 08)
Secondary School District	Watchung Hills Regional School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,345,600 (+5.78%) Land $647,200 Building $1,698,400	$2,345,600 (+5.78%) Land $647,200 Building $1,698,400
2025	$43,286.00 (+8.84%)	$2,217,500 (+17.93%) Land $604,900 Building $1,612,600	$2,217,500 (+17.93%) Land $604,900 Building $1,612,600
2024	$39,772.00 (+5.46%)
2023		$1,880,400 Land $528,300 Building $1,352,100	$1,880,400 Land $528,300 Building $1,352,100
2022	$37,712.00

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 September 3, 2025 · 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	23 (1979–2025)
Claims Outside the SFHA	16 of 23
Most Recent Claim	Jul 2025 · rainfall accumulation
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 2 claims Hurricane Irene, Aug 2011 · 3 claims Severe Storms And Flooding, Mar 2010 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 83% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 - RARITAN private · serves 615,430 people · EPA ID NJ2004002
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	1 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 106 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable · Fiber in parts of the area	940 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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