Somerset County and Watchung Borough property record for 720 Valley Rd, Watchung, NJ 07069
| Property Type | Single Family Home |
|---|---|
| Details | 2,308 sqft · built 1910 |
| Lot Size | 2.31 acres (101,059 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $460,000 (Feb 2021) |
| Tax Bill | $11,374 (2025) |
| Deeds & Mortgages | Aug 2018 Mortgage Feb 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-06909-0000-00013 |
| Primary APN | 21-06909-0000-00013 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,308 sqft Living Area |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Construction Type | Frame |
| Lot Area | 101,059 sqft |
| Account Number | SB01 |
|---|---|
| Street Address | 720 VALLEY RD |
| City | WATCHUNG |
| State | NJ |
| Zip | 07069-6199 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-R |
| Legal Description | ADDITIONAL LOTS: OID 69 16.E2 |
| Legal Block | 6909 |
| Legal Lot Number | 13 |
| Jurisdiction | SOMERSET NJ |
| Township / Civil Division | WATCHUNG |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 52300 |
720 Valley Rd is owned and occupied by two individuals who bought it in February 2021.
Source: Somerset County and Watchung Borough records, as of July 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 720 VALLEY RD, WATCHUNG, NJ 07069-6199 |
| 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.
| Date | Document |
|---|---|
| Aug 14, 2018 | Deed of Trust, Mortgage · Commercial Mortgage JPMORGAN CHASE BANK NA |
| Feb 5, 2021 | Bargain and Sale Deed, Transfer · FHA Mortgage EQUITY PRIME MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 5, 2021 · Amount on File |
| Deed Sale | Feb 5, 2021 · Amount on File |
| Deed Document Number | 20218183 |
| Deed Book / Page | 7306 / 309 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Property Address | 720 VALLEY RD, WATCHUNG, NJ 07069-6199 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000030843 |
|---|---|
| Date | Aug 14, 2018 |
| Book Page | 7064/0922 |
| Instrument | 2018030843 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 25, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Change Frequency | Monthly |
| Max Rate | 21% |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Recording Date | Feb 5, 2021 |
| Property Address | 720 VALLEY RD, WATCHUNG, NJ 07069-6199 |
| Document Number | 0000008183 |
| Book / Page | 7306 / 309 |
| Instrument Date | Nov 12, 2020 |
| Instrument | 2021008183 |
| Transaction Type | Transfer |
| Record Updated | Nov 5, 2021 |
| Title Company | ALL PRO TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,753.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 720 VALLEY RD, 720, WATCHUNG, NJ 07069-6199 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 720 VALLEY RD, WATCHUNG, NJ 07069-6199 |
| Document Number | 0000008184 |
|---|---|
| Date | Feb 5, 2021 |
| Instrument | 2021008184 |
| Name | EQUITY PRIME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Dec 1, 2050 |
The 2025 property tax bill for 720 Valley Rd was $11,374, up 7.2% from the year before.
Source: Somerset County and Watchung Borough assessment roll, as of July 7, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $620,700 (+6.52%) Land $440,300 Building $180,400 | $620,700 (+6.52%) Land $440,300 Building $180,400 | |
| 2025 | $11,374.00 (+7.15%) | $582,700 Land $411,400 Building $171,300 | $582,700 Land $411,400 Building $171,300 |
| 2024 | $10,615.00 | ||
| 2023 | $498,800 Land $348,800 Building $150,000 | $498,800 Land $348,800 Building $150,000 | |
| 2022 | $9,956.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 720 Valley Rd in Zone X, an area of minimal flood risk, though there have been 23 flood claims nearby since 1979.
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 |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 23 (1979–2025) |
| Claims Outside the SFHA | 16 of 23 |
| Most Recent Claim | Jul 2025 · rainfall accumulation |
| Claims by Event |
|
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 risk around 720 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 83% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 89 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 | 2,300 / 2,300 |
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