7 Cliff Rd, Towaco, NJ 07082 Property Records

Morris County and Montville Township property record for 7 Cliff Rd, Towaco, NJ 07082

Property Summary

Property Type	Single Family Home
Details	1,458 sqft · built 1956
Lot Size	0.67 acres (29,194 sqft)
Owner	2 Individual Names on Record
Last Sale	$700,000 (Nov 2023)
Tax Bill	$10,350 (2024)
Deeds & Mortgages	Feb 2026 Mortgage Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-00088-0000-00033`

Property Details

APN / Parcel Number

Primary APN	`21-00088-0000-00033`
Alternative APN	`210008800033`

Interior

Stories	1 Story
Building Area	1,458 sqft Living Area
1st Floor Area	1,458 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Brick
Construction Type	Brick
Lot Area	29,194 sqft (0.67 acres)
Lot Dimensions	190 ft deep x 100 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	7 CLIFF RD
City	TOWACO
State	NJ
Zip	07082-1438
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R27A
Legal Subdivision	S LOUGLAS SEC 2
Legal Block	88
Legal Lot Number	33
Jurisdiction	MORRIS NJ
Township / Civil Division	MONTVILLE
Census Block Group	2
Census Block	2019
Census Tract	40805

Owner

Source: Morris County and Montville Township records, as of July 9, 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	7 CLIFF RD, TOWACO, NJ 07082-1438
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC
Nov 14, 2023	Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2023 · Amount on Record
Deed Sale	Nov 14, 2023 · Amount on Record
Deed Document Number	202343630
Deed Book / Page	24681 / 19
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORRIS NJ
Property Address	7 CLIFF RD, TOWACO, NJ 07082-1438
Transaction Type	Mortgage
Record Updated	Mar 9, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 CLIFF RD, TOWACO, NJ 07082-1438

Mortgage

Document Number	0250641582
Date	Feb 25, 2026
Book Page	25064/1582
Instrument	2026007997

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MORRIS NJ
Recording Date	Nov 14, 2023
Property Address	7 CLIFF RD, TOWACO, NJ 07082-1438
Document Number	0246810019
Book / Page	24681 / 19
Instrument Date	Oct 31, 2023
Instrument	2023043630
Transaction Type	Transfer
Record Updated	Dec 4, 2023
Title Company	OLD SCHOOL TITLE SERVICES LLC, OLDE SCHOOL TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,245.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 REEVE AVE, BLOOMINGDALE, NJ 07403-1541

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7 CLIFF RD, TOWACO, NJ 07082-1438

Mortgage

Document Number	2023043631
Date	Nov 14, 2023
Instrument	2023043631

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Tax Assessment & Valuation

Source: Morris County and Montville Township assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Morris County
County Subdivision	Montville Township
Unified School District	Montville Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$387,800 (-) Land $233,500 Building $154,300	$387,800 (-) Land $233,500 Building $154,300
2025		$387,800 (+2.51%) Land $233,500 Building $154,300	$387,800 (+2.51%) Land $233,500 Building $154,300
2024	$10,350.00 (+6.5%)
2023		$378,300 (-) Land $224,000 Building $154,300	$378,300 (-) Land $224,000 Building $154,300
2022	$9,718.00 (+10.99%)	$378,300 Land $224,000 Building $154,300	$378,300 Land $224,000 Building $154,300
2021	$8,756.00

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 August 18, 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	1 in force
Nearby Flood Claims	3 (1999–2021)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

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 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 179 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

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