641 Valley Rd, Watchung, NJ 07069 Property Records

Somerset County and Watchung Borough property record for 641 Valley Rd, Watchung, NJ 07069

Property Summary

Property Type	Single Family Home
Details	3,380 sqft · built 1978
Lot Size	1.23 acres (54,014 sqft)
Owner	2 Individual Names on Record
Tax Bill	$18,036 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jan 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-07100-0000-00004`

Property Details

APN / Parcel Number

Primary APN	`21-07100-0000-00004`
Alternative APN	`210710000004`

Interior

Stories	2 Stories
Building Area	3,380 sqft Living Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Frame
Lot Area	54,014 sqft
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	641 VALLEY RD
City	WATCHUNG
State	NJ
Zip	07069-6118
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-R
Legal Description	ADDITIONAL LOTS: OID 71 4.A1
Legal Subdivision	EUGENE & NONA MCATEER PROP
Legal Block	7100
Legal Lot Number	4
Jurisdiction	SOMERSET NJ
Township / Civil Division	WATCHUNG
Census Block Group	1
Census Block	1008
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	641 VALLEY RD, WATCHUNG, NJ 07069-6118
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 15, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Mar 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

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

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	641 VALLEY RD, WATCHUNG, NJ 07069-6118
Transaction Type	Mortgage
Record Updated	Jan 26, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002281
Date	Jan 14, 2022
Book Page	7417/1765
Instrument	2022002281

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2037

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	641 VALLEY RD, WATCHUNG, NJ 07069-6118
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001749
Date	Jan 15, 2019
Book Page	7094/3414
Instrument	2019001749

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 24, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	641 VALLEY RD, WATCHUNG, NJ 07069-6118
Document Number	0000010904
Book / Page	006947 / 001396
Instrument Date	Mar 3, 2017
Transaction Type	Mortgage
Record Updated	May 31, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	641 VALLEY RD WATCHUNG NJ 070696118, WATCHUNG, NJ 07069-6118

Mortgage

Document Number	0000010904
Date	Mar 16, 2017
Book Page	006947/001396
Instrument	10904

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 15, 2027

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		$979,800 (+6.04%) Land $421,000 Building $558,800	$979,800 (+6.04%) Land $421,000 Building $558,800
2025	$18,036.00 (+6.61%)	$924,000 (+15.77%) Land $393,400 Building $530,600	$924,000 (+15.77%) Land $393,400 Building $530,600
2024	$16,917.00 (+5.45%)
2023		$798,100 Land $333,500 Building $464,600	$798,100 Land $333,500 Building $464,600
2022	$16,043.00

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
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

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

Wildfire Risk	Low lower than 94% of the US · lower than 85% of New Jersey
Wildfire Likelihood	Under 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	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 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber	2,300 / 2,300

May also be available: AT&T, T-Mobile.

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