45 Orchard Rd, Watchung, NJ 07069 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3,292 sqft · built 1962
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on File
Last Sale	$850,000 (Apr 2021)
Tax Bill	$19,038 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-04301-0000-00033-03`

Property Details

APN / Parcel Number

Primary APN	`21-04301-0000-00033-03`
Alternative APNs	`21043010000000330003` `S001`

Interior

Stories	2 Stories
Building Area	3,292 sqft Living Area

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Construction Type	Frame
Lot Area	65,340 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	S001
Street Address	45 ORCHARD RD
City	WATCHUNG
State	NJ
Zip	07069-6054
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-R
Legal Subdivision	BOROUGH/WATCHUNG
Legal Block	4301
Legal Lot Number	33.3
Jurisdiction	SOMERSET NJ
Township / Civil Division	WATCHUNG
Census Block Group	1
Census Block	1008
Census Tract	52300

Owner

45 Orchard Rd is owned and occupied by two individuals who bought it in April 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	45 ORCHARD RD, WATCHUNG, NJ 07069-6054
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2021 · Amount on File
Deed Sale	Apr 7, 2021 · Amount on File
Deed Document Number	202122337
Deed Book / Page	7329 / 155
Record Updated	Sep 20, 2026

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Apr 7, 2021
Property Address	45 ORCHARD RD, WATCHUNG, NJ 07069-6054
Document Number	0000022337
Book / Page	7329 / 155
Instrument Date	Mar 9, 2021
Instrument	2021022337
Transaction Type	Transfer
Record Updated	May 14, 2021
Title Company	CB TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,730.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24 CABELL CT, 24, MORRISTOWN, NJ 07960-5992

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 ORCHARD RD, WATCHUNG, NJ 07069-6054

Mortgage

Document Number	0000022338
Date	Apr 7, 2021
Instrument	2021022338

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 45 Orchard Rd was $19,038, up 5.8% from the year before.

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		$1,029,800 (+5.59%) Land $417,900 Building $611,900	$1,029,800 (+5.59%) Land $417,900 Building $611,900
2025	$19,038.00 (+5.85%)	$975,300 Land $394,300 Building $581,000	$975,300 Land $394,300 Building $581,000
2024	$17,986.00
2023		$848,800 Land $340,800 Building $508,000	$848,800 Land $340,800 Building $508,000
2022	$17,331.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 45 Orchard Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1978.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	10 units insured incl. 4 condo units
Nearby Flood Claims	4 (1978–2011)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Aug 2011 · rainfall accumulation

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 Orchard Rd is low, with 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 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood	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 124 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	2,300 / 2,300
T-Mobile Fixed Wireless	100 / 20