655 Mountain Blvd, Watchung, NJ 07069 Property Records

Somerset County and Watchung Borough property record for 655 Mountain Blvd, Watchung, NJ 07069

Property Summary

Property Type	Single Family Home
Details	1,296 sqft · built 1910
Lot Size	1.6 acres (69,696 sqft)
Owner	2 Individual Names on File
Last Sale	$159,000 (Oct 1992)
Tax Bill	$11,060 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Dec 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`21-00401-0000-00011`

Property Details

APN / Parcel Number

Primary APN	`21-00401-0000-00011`
Alternative APNs	`210040100011` `S001`

Interior

Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	1,296 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Construction Type	Frame
Lot Area	69,696 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	S001
Street Address	655 MOUNTAIN BLVD
City	WATCHUNG
State	NJ
Zip	07069-6230
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-R
Legal Block	401
Legal Lot Number	11
Jurisdiction	SOMERSET NJ
Township / Civil Division	WATCHUNG
Census Block Group	3
Census Block	3022
Census Tract	52300

Owner

655 Mountain Blvd is owned and occupied by two individuals who bought it in October 1992.

Source: Somerset County and Watchung Borough records, as of July 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	655 MOUNTAIN BLVD, WATCHUNG, NJ 07069-6230
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

Date	Document
Jul 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 1, 2022	Deed of Trust, Mortgage · Line of Credit FULTON BANK NA
Oct 19, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Dec 16, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Dec 23, 2017	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 1992 · Amount on File
Deed Sale	Oct 20, 1992 · Amount on File
Deed Book / Page	1878 / 589
Prior Transfer Date	Sep 11, 1992
Prior Transfer Doc	1878000589
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Recording Date	Jul 7, 2026
Property Address	655 MOUNTAIN BLVD, WATCHUNG, NJ 07069-6230
Document Number	0000018842
Book / Page	7690 / 1203
Instrument Date	Jul 1, 2026
Instrument	202618842
Transaction Type	Mortgage
Record Updated	Jul 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 MOUNTAIN BLVD, WATCHUNG, NJ 07069-6230

Mortgage

Document Number	0000018842,
Date	Jul 7, 2026
Book Page	7690/1203
Instrument	202618842

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	655 MOUNTAIN BLVD, WATCHUNG, NJ 07069-6230
Transaction Type	Mortgage
Record Updated	Dec 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 MOUNTAIN BLVD, WATCHUNG, NJ 07069-6230

Mortgage

Document Number	0000047581
Date	Dec 1, 2022
Book Page	7482/2987
Instrument	2022047581

Lender

Name	FULTON BANK NA
Type	Bank
Address	PLAINFIELD, NJ 07060

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	655 MOUNTAIN BLVD, WATCHUNG, NJ 07069-6230
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000050587
Date	Oct 19, 2020
Book Page	7262/928
Instrument	2020050587

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	655 MOUNTAIN BLVD, WATCHUNG, NJ 07069-6230
Document Number	0000049975
Instrument Date	Dec 16, 2019
Transaction Type	Mortgage
Record Updated	Jan 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	655 MOUNTAIN BLVD WATCHUNG NJ 070696230, WATCHUNG, NJ 07069-6230

Mortgage

Document Number	0000049975
Date	Dec 26, 2019
Book Page	007177/000245
Instrument	49975

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 25, 2049

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	655 MOUNTAIN BLVD, WATCHUNG, NJ 07069-6230
Document Number	0000000487
Book / Page	007015 / 003239
Instrument Date	Dec 23, 2017
Transaction Type	Mortgage
Record Updated	Feb 9, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	655 MOUNTAIN BLVD WATCHUNG NJ 070696230, WATCHUNG, NJ 07069-6230

Mortgage

Document Number	0000000487
Date	Jan 4, 2018
Book Page	007015/003239
Instrument	487

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 3, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 655 Mountain Blvd was $11,060 with a veteran's exemption, up 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		$603,200 (+6.46%) Land $408,200 Building $195,000	$603,200 (+6.46%) Land $408,200 Building $195,000
2025	$11,060.00 (+9%) Veteran's exemption	$566,600 Land $381,500 Building $185,100	$566,600 Land $381,500 Building $185,100
2024	$10,147.00
2023		$488,700 Land $326,600 Building $162,100	$488,700 Land $326,600 Building $162,100
2022	$9,702.00

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

Flood

FEMA maps place 655 Mountain Blvd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Flood Insurance Cost	Premium on File median of 12 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	15 (1978–2025)
Most Recent Claim	Jul 2025 · rainfall accumulation
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 4 claims Hurricane Irene, Aug 2011 · 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

Wildfire risk around 655 Mountain Blvd 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	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 99 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
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20

May also be available: AT&T.

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