55 Cedar Rd, Watchung, NJ 07069 Property Records

Somerset County and Watchung Borough property record for 55 Cedar Rd, Watchung, NJ 07069

Property Summary

Property Type	Single Family Home
Details	1,883 sqft · built 1940
Owner	2 Individual Names on File
Tax Bill	$4,732 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Jan 2020 Sale
Flood Zone	Zone AE (high risk)
APN	`21-04313-0000-00001-98`

Property Details

APN / Parcel Number

Primary APN	`21-04313-0000-00001-98`
Alternative APN	`21043130000000010098`

Interior

Stories	1 Story
Building Area	1,883 sqft Living Area
1st Floor Area	1,883 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Construction Type	Frame

Location & Zoning

Street Address	55 CEDAR RD
City	WATCHUNG
State	NJ
Zip	07069
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	4313
Legal Lot Number	1.98
Jurisdiction	SOMERSET NJ
Township / Civil Division	WATCHUNG
Census Block Group	1
Census Block	1004
Census Tract	52300

Owner

55 Cedar Rd, a single family home, is owned by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	51 GREENBROOK RD, BERKELEY HEIGHTS, NJ 07922-2308
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

Date	Document
Nov 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage KEARNY BANK
Jan 24, 2020	Correction Deed, Transfer FOUNDATION TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	55 CEDAR RD, WATCHUNG, NJ 07069
Transaction Type	Mortgage
Record Updated	Nov 5, 2021
Title Company	FOUNDATION TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042238
Date	Nov 4, 2019
Book Page	7164/1065
Instrument	2019042238

Lender

Name	KEARNY BANK
Type	Bank
Address	FAIRFIELD, NJ 07004

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2049

January 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	SOMERSET NJ
Recording Date	Jan 24, 2020
Property Address	55 CEDAR RD, WATCHUNG, NJ 07069
Document Number	0000003779
Book / Page	007184 / 003183
Instrument Date	Sep 30, 2019
Instrument	3779
Transaction Type	Transfer
Record Updated	Feb 24, 2020
Title Company	FOUNDATION TITLE

Transaction

Amount	Amount on Record
Tax	$350.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 CEDAR RD WATCHUNG NJ 07069, WATCHUNG, NJ 07069

Tax Assessment & Valuation

The 2025 property tax bill for 55 Cedar Rd was $4,732, up 5.9% 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		$255,300 (+5.32%) Building $255,300	$255,300 (+5.32%) Building $255,300
2025	$4,732.00 (+5.88%)	$242,400 Building $242,400	$242,400 Building $242,400
2024	$4,469.00
2023		$212,200 Building $212,200	$212,200 Building $212,200
2022	$4,279.00

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

Flood

FEMA maps place 55 Cedar Rd in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 3, 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	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 55 Cedar Rd is low, with a 0.02% 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	0.02% 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 149 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: Optimum.

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