Somerset County and Watchung Borough property record for 95 Gallowae, Watchung, NJ 07069
| Property Type | Single Family Home |
|---|---|
| Details | 6,784 sqft · built 2008 |
| Lot Size | 2.88 acres (125,453 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $2,825,000 (Aug 2008) |
| Tax Bill | $38,950 (2025) |
| Deeds & Mortgages | Apr 2026 Sale Nov 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-04409-0000-00003 |
| Primary APN | 21-04409-0000-00003 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 6,784 sqft Living Area |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Construction Type | Frame |
| Lot Area | 125,453 sqft |
| Parking Spaces | 4 Parking Spaces |
| Account Number | S001 |
|---|---|
| Street Address | 95 GALLOWAE |
| City | WATCHUNG |
| State | NJ |
| Zip | 07069-6413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B-A |
| Legal Description | ADDITIONAL LOTS: OID 44 18 |
| Legal Subdivision | CRONHEIM |
| Legal Block | 4409 |
| Legal Lot Number | 3 |
| Jurisdiction | SOMERSET NJ |
| Township / Civil Division | WATCHUNG |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 52300 |
Source: Somerset County and Watchung Borough records · APN 21-04409-0000-00003
Assessment roll updated July 7, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 95 GALLOWAE, WATCHUNG, NJ 07069-6413 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Apr 13, 2026 | Deed, Transfer 1ST RATE TITLE & SETTLEMENT |
| Nov 09, 2018 | Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA |
| Apr 10, 2019 | Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 25, 2008 · Amount on Record |
| Deed Sale | Aug 25, 2008 · Amount on Record |
| Prior Sale | Dec 06, 2006 · Amount on Record |
| Deed Document Number | 200840721 |
| Deed Book / Page | 6158 / 1112 |
| Last Transfer Date | Mar 31, 2026 |
| Transfer Doc | 0000010160 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Recording Date | Apr 13, 2026 |
| Property Address | 95 GALLOWAE, WATCHUNG, NJ 07069-6413 |
| Document Number | 0000010160 |
| Book / Page | 7675 / 2463 |
| Instrument Date | Mar 31, 2026 |
| Instrument | 202610160 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | 1ST RATE TITLE & SETTLEMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant |
| Address | 95 GALLOWAE, WATCHUNG, NJ 07069-6413 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Property Address | 95 GALLOWAE, WATCHUNG, NJ 07069-6413 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2022 |
| Title Company | STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|
| Document Number | 0000042270 |
|---|---|
| Date | Nov 09, 2018 |
| Book Page | 7082/3359 |
| Instrument | 2018042270 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Jan 01, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.62% |
| Index | 1-Year LIBOR |
| Max Rate | 8.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Property Address | 95 GALLOWAE, WATCHUNG, NJ 07069-6413 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000011866 |
|---|---|
| Date | Apr 10, 2019 |
| Book Page | 7110/1986 |
| Instrument | 2019011866 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 01, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 4.75% |
| Index | 1-Year LIBOR |
| Max Rate | 7.75% |
Source: Somerset County and Watchung Borough records · Assessment roll updated July 7, 2026 · Last verified July 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) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,111,500 (+5.82%) Land $626,300 Building $1,485,200 | $2,111,500 (+5.82%) Land $626,300 Building $1,485,200 | |
| 2025 | $38,950.00 (+9.35%) | $1,995,400 (+18.52%) Land $585,300 Building $1,410,100 | $1,995,400 (+18.52%) Land $585,300 Building $1,410,100 |
| 2024 | $35,620.00 (+1.61%) | ||
| 2023 | $1,683,600 Land $511,200 Building $1,172,400 | $1,683,600 Land $511,200 Building $1,172,400 | |
| 2022 | $35,055.00 |
Source: FEMA National Flood Hazard Layer as of September 3, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Cable · Fiber in parts of the area | 940 / 35 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 106 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NJ AMERICAN WATER - RARITAN private · serves 615,430 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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