54 Bellows Ln, Towaco, NJ 07082 Property Records

Morris County and Lincoln Park Borough property record for 54 Bellows Ln, Towaco, NJ 07082

Property Summary

Property Type	Single Family Home
Details	780 sqft · built 1925
Lot Size	0.95 acres (41,382 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Dec 2025)
Tax Bill	$5,106 (2024)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Jul 2024 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`21-00041-0000-00013`

Property Details

APN / Parcel Number

Primary APN	`21-00041-0000-00013`
Alternative APN	`210004100013`

Interior

Stories	1 Story
Building Area	780 sqft Living Area
1st Floor Area	780 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Construction Type	Frame
Lot Area	41,382 sqft (0.95 acres)
Lot Dimensions	380 ft deep x 140 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	54 BELLOWS LN
City	TOWACO
State	NJ
Zip	07082-1137
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20A
Legal Subdivision	TOWNSHIP/MONTVILLE
Legal Block	41
Legal Lot Number	13
Jurisdiction	MORRIS NJ
Township / Civil Division	LINCOLN PARK
Census Block Group	2
Census Block	2008
Census Tract	40801

Owner

54 Bellows Ln is owned and occupied by two individuals who bought it in December 2025.

Source: Morris County and Lincoln Park Borough records, as of July 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	54 BELLOWS LN, TOWACO, NJ 07082-1137
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Date	Document
Dec 3, 2025	Deed, Transfer · Conventional Mortgage LUMINATE BANK
Jul 26, 2024	Deed, Transfer SMB REAL ESTATE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2025 · Amount on File
Deed Sale	Dec 3, 2025 · Amount on File
Prior Sale	Jul 26, 2024 · Amount on File
Deed Document Number	202550862
Deed Book / Page	25024 / 302
Record Updated	Sep 20, 2026

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MORRIS NJ
Recording Date	Dec 3, 2025
Property Address	54 BELLOWS LN, TOWACO, NJ 07082-1137
Document Number	0250240302
Book / Page	25024 / 302
Instrument Date	Oct 23, 2025
Instrument	2025050862
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,415.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4208 PARK AVE, WEEHAWKEN, NJ 07086-6134

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	54 BELLOWS LN, TOWACO, NJ 07082-1137

Mortgage

Document Number	2025050863
Date	Dec 3, 2025
Instrument	2025050863

Lender

Name	LUMINATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

July 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	MORRIS NJ
Recording Date	Jul 26, 2024
Property Address	54 BELLOWS LN, TOWACO, NJ 07082-1137
Document Number	0247821591
Book / Page	24782 / 1591
Instrument Date	Jul 17, 2024
Instrument	2024028212
Transaction Type	Transfer
Record Updated	Aug 9, 2024
Title Company	FORTUNE TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$1,715.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8 POND HOLLOW RD, SUSSEX, NJ 07461-4515

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 BELLOWS LANE, MONTVILLE, NJ 07045

Mortgage

Document Number	0247821597
Date	Jul 26, 2024
Book Page	24782/1597
Instrument	2024028213

Lender

Name	SMB REAL ESTATE LLC
Type	Non-Lending Institution
Address	TOWACO, NJ 07082

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New Jersey
County	Morris County
Municipality	Lincoln Park Borough
Unified School District	Lincoln Park Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$313,400 (+63.83%) Land $143,800 Building $169,600	$313,400 (+63.83%) Land $143,800 Building $169,600
2025		$191,300 Land $143,800 Building $47,500	$191,300 Land $143,800 Building $47,500
2024	$5,106.00
2023		$191,300 Land $143,800 Building $47,500	$191,300 Land $143,800 Building $47,500
2022	$4,914.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 54 Bellows Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	4 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

Wildfire risk around 54 Bellows Ln 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	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	MONTVILLE TWP MUA serves 22,000 people · EPA ID NJ1421003
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2026
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure not recorded as resolved · Aug 2025
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	980 / 880
Optimum Cable · Fiber in parts of the area	940 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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