657 Valley Rd, Watchung, NJ 07069 Property Records

Somerset County and Watchung Borough property record for 657 Valley Rd, Watchung, NJ 07069

Property Summary

Property Type	Single Family Home
Details	2,759 sqft · built 1950
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on File
Last Sale	$247,350 (May 1997)
Tax Bill	$17,543 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-07100-0000-00006`

Property Details

APN / Parcel Number

Primary APN	`21-07100-0000-00006`
Alternative APNs	`210710000006` `S001`

Interior

Stories	1 Story
Building Area	2,759 sqft Living Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Frame
Lot Area	65,340 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	S001
Street Address	657 VALLEY RD
City	WATCHUNG
State	NJ
Zip	07069-6118
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-R
Legal Block	7100
Legal Lot Number	6
Jurisdiction	SOMERSET NJ
Township / Civil Division	WATCHUNG
Census Block Group	1
Census Block	1008
Census Tract	52300

Owner

657 Valley Rd is owned and occupied by an individual who bought it in May 1997.

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

Owner of Record	Individual Name on File
Mailing Address	657 VALLEY RD, WATCHUNG, NJ 07069-6118
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
Apr 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Dec 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 1997 · Amount on File
Deed Sale	May 14, 1997 · Amount on File
Deed Book / Page	2112 / 295
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	657 VALLEY RD, WATCHUNG, NJ 07069-6118
Transaction Type	Mortgage
Record Updated	Apr 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013479
Date	Apr 1, 2022
Book Page	7435/961
Instrument	2022013479

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2037

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	657 VALLEY RD, WATCHUNG, NJ 07069-6118
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048941
Date	Dec 18, 2019
Book Page	7175/1463
Instrument	2019048941

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 657 Valley Rd was $17,543, up 6.7% 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		$953,500 (+6.1%) Land $439,700 Building $513,800	$953,500 (+6.1%) Land $439,700 Building $513,800
2025	$17,543.00 (+6.69%)	$898,700 Land $410,900 Building $487,800	$898,700 Land $410,900 Building $487,800
2024	$16,443.00
2023		$775,500 Land $348,300 Building $427,200	$775,500 Land $348,300 Building $427,200
2022	$15,576.00

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

Flood

FEMA maps place 657 Valley 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 657 Valley Rd is low, with less than 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 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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