96 Sagamore Rd, Millburn, NJ 07041 Property Records

Essex County and Millburn Township property record for 96 Sagamore Rd, Millburn, NJ 07041

Property Summary

Property Type	Single Family Home
Details	2,955 sqft · built 1941
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$2,050,000 (Dec 2023)
Tax Bill	$17,672 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Aug 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-00104-0000-00001`

Property Details

APN / Parcel Number

Primary APN	`12-00104-0000-00001`
Alternative APNs	`120010400001` `07041`

Interior

Stories	2 Stories
Building Area	2,955 sqft Living Area

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Construction Type	Frame
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	160 ft deep x 70 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	96 SAGAMORE RD
City	MILLBURN
State	NJ
Zip	07041-2153
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.28
Legal Subdivision	TOWNSHIP/MILLBURN
Legal Block	104
Legal Lot Number	1
Jurisdiction	ESSEX NJ
Township / Civil Division	MILLBURN
Census Block Group	1
Census Block	1004
Census Tract	20200

Owner

96 Sagamore Rd is owned and occupied by two individuals who bought it in December 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	96 SAGAMORE RD, MILLBURN, NJ 07041-2153
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jan 30, 2026	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Aug 13, 2025	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Dec 27, 2023	Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Sep 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 2023 · Amount on File
Deed Sale	Dec 27, 2023 · Amount on File
Prior Sale	Jul 16, 1998 · Amount on File
Deed Document Number	202376824
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	96 SAGAMORE RD, MILLBURN, NJ 07041-2153
Transaction Type	Mortgage
Record Updated	Mar 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006344
Date	Jan 30, 2026
Instrument	2026006344

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Dec 25, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	96 SAGAMORE RD, MILLBURN, NJ 07041-2153
Transaction Type	Mortgage
Record Updated	Sep 26, 2025
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	96 SAGAMORE RD, MILLBURN, NJ 07041-2153

Mortgage

Document Number	0000051112
Date	Aug 13, 2025
Instrument	2025051112

Lender

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

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Aug 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.1%
Index	SOFR Average 30-Day
Max Rate	11.1%

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Dec 27, 2023
Property Address	96 SAGAMORE RD, MILLBURN, NJ 07041-2153
Document Number	0000076824
Instrument Date	Dec 11, 2023
Instrument	2023076824
Transaction Type	Transfer
Record Updated	Jan 24, 2024
Title Company	INVESTMENT TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,915.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	616 S ORANGE AVE, MAPLEWOOD, NJ 07040-1047

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	96 SAGAMORE RD, MILLBURN, NJ 07041-2153

Mortgage

Document Number	0000076825
Date	Dec 27, 2023
Instrument	2023076825

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	Jan 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	12%
Max Rate	12%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	96 SAGAMORE RD, MILLBURN, NJ 07041-2153
Document Number	0000087590
Instrument Date	Sep 4, 2019
Transaction Type	Mortgage
Record Updated	Sep 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	96 SAGAMORE RD MILLBURN NJ 070412153, MILLBURN, NJ 07041-2153

Mortgage

Document Number	0000087590
Date	Sep 17, 2019
Instrument	87590

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 16, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 96 Sagamore Rd was $17,672, 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		$875,300 (-) Land $424,600 Building $450,700	$875,300 (-) Land $424,600 Building $450,700
2025	$17,672.00 (+1.87%)	$875,300 Land $424,600 Building $450,700	$875,300 Land $424,600 Building $450,700
2024	$17,348.00
2023		$875,300 (-) Land $424,600 Building $450,700	$875,300 (-) Land $424,600 Building $450,700
2022	$17,007.00 (+0.26%)	$875,300 Land $424,600 Building $450,700	$875,300 Land $424,600 Building $450,700
2021	$16,963.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 96 Sagamore Rd 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 96 Sagamore Rd 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 94% of the US · lower than 85% of New Jersey
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 405 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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