84 Elm St, Millburn, NJ 07041 Property Records

Essex County and Millburn Township property record for 84 Elm St, Millburn, NJ 07041

Property Summary

Property Type	Single Family Home
Details	1,712 sqft · built 1926
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Individual Names on File
Last Sale	$1,325,000 (Jul 2024)
Tax Bill	$15,149 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-00203-0000-00013`

Property Details

APN / Parcel Number

Primary APN	`12-00203-0000-00013`
Alternative APNs	`120020300013` `07041`

Interior

Stories	2 Stories
Building Area	1,712 sqft Living Area

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Construction Type	Frame
Lot Area	10,001 sqft (0.23 acres)
Lot Dimensions	200 ft deep x 50 ft wide

Location & Zoning

Street Address	84 ELM ST
City	MILLBURN
State	NJ
Zip	07041-2112
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	50X200
Legal Subdivision	MUNICIPALITY/MILLBURN
Legal Block	203
Legal Lot Number	13
Jurisdiction	ESSEX NJ
Township / Civil Division	MILLBURN
Census Block Group	1
Census Block	1001
Census Tract	20200

Owner

84 Elm St is owned and occupied by two individuals who bought it in July 2024.

Source: Essex County and Millburn Township records, as of July 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	84 ELM ST, MILLBURN, NJ 07041-2112
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Oct 14, 2025	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Sep 6, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Oct 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK NA
Sep 10, 2018	Grant Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2024 · Amount on File
Deed Sale	Jul 1, 2024 · Amount on File
Prior Sale	Sep 10, 2018 · Amount on File
Deed Document Number	202437165
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	84 ELM ST, MILLBURN, NJ 07041-2112
Transaction Type	Mortgage
Record Updated	Nov 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	84 ELM ST, MILLBURN, NJ 07041-2112

Mortgage

Document Number	0000064184
Date	Oct 14, 2025
Instrument	2025064184

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Nov 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.87%
Max Rate At Change	6.87%
Index	SOFR Average 30-Day
Max Rate	9.87%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	84 ELM ST, MILLBURN, NJ 07041-2112
Transaction Type	Mortgage
Record Updated	Oct 13, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	84 ELM ST, MILLBURN, NJ 07041-2112

Mortgage

Document Number	0000053726
Date	Sep 6, 2023
Instrument	2023053726

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 5, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	84 ELM ST, MILLBURN, NJ 07041-2112
Document Number	0000116218
Instrument Date	Oct 23, 2019
Transaction Type	Mortgage
Record Updated	Dec 24, 2019
Title Company	EQUITY SETTLEMENT SERVICES, EQUITY SETTLEMENT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	84 ELM ST MILLBURN NJ 070412112, MILLBURN, NJ 07041-2112

Mortgage

Document Number	0000116218
Date	Dec 7, 2019
Instrument	116218

Lender

Name	CITIZENS BK NA
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 6, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.87%

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	Sep 10, 2018
Property Address	84 ELM ST, MILLBURN, NJ 07041-2112
Document Number	0000078588
Instrument Date	Aug 29, 2018
Instrument	78588
Transaction Type	Transfer
Record Updated	Dec 11, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$745.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	84 ELM ST MILLBURN NJ 070412112, MILLBURN, NJ 07041-2112

Mortgage

Document Number	78593
Date	Sep 10, 2018
Instrument	78593

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 84 Elm St was $15,149, up 1.9% from the year before.

Source: Essex County and Millburn Township assessment roll, as of July 2, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$750,300 (-) Land $490,300 Building $260,000	$750,300 (-) Land $490,300 Building $260,000
2025	$15,149.00 (+1.88%)	$750,300 Land $490,300 Building $260,000	$750,300 Land $490,300 Building $260,000
2024	$14,870.00
2023		$750,300 Land $490,300 Building $260,000	$750,300 Land $490,300 Building $260,000
2022	$14,578.00

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

Flood

FEMA maps place 84 Elm St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1980.

Source: FEMA National Flood Hazard Layer, effective September 24, 2020 · 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	6 (1980–2011)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Aug 2011 · Hurricane Irene

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 84 Elm St 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 96% of the US · lower than 89% 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 - SHORT HILLS private · serves 217,230 people · EPA ID NJ0712001
Water Source	Surface water
Last State Inspection	Nov 2022
Lead	3 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	1 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 352 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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