1 Bluff St, Cranford, NJ 07016 Property Records

Union County and Cranford Township property record for 1 Bluff St, Cranford, NJ 07016

Property Summary

Property Type	Single Family Home
Details	1,412 sqft · built 1937
Lot Size	0.089 acres (3,859 sqft)
Owner	2 Individual Names on Record
Last Sale	$475,000 (Dec 2021)
Tax Bill	$10,249 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-00498-0000-00006`

Property Details

APN / Parcel Number

Primary APN	`03-00498-0000-00006`
Alternative APNs	`030049800006` `5827000`

Interior

Stories	1 Story
Building Area	1,412 sqft Living Area

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Construction Type	Frame
Lot Area	3,859 sqft (0.089 acres)
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	5827000
Street Address	1 BLUFF ST
City	CRANFORD
State	NJ
Zip	07016-3001
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	RIVERSIDE PARK
Legal Block	498
Legal Lot Number	6
Jurisdiction	UNION NJ
Township / Civil Division	CRANFORD
Census Block Group	1
Census Block	1019
Census Tract	37300

Owner

Source: Union County and Cranford Township records, as of July 8, 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	1 BLUFF ST, CRANFORD, NJ 07016-3001
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2021 · Amount on Record
Deed Sale	Dec 28, 2021 · Amount on Record
Prior Sale	Apr 29, 1991 · Amount on Record
Deed Document Number	202113210
Deed Book / Page	6445 / 100
Record Updated	Oct 29, 2026

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Dec 28, 2021
Property Address	1 BLUFF ST, CRANFORD, NJ 07016-3001
Document Number	0064450100
Book / Page	6445 / 100
Instrument Date	Dec 3, 2021
Instrument	13210
Transaction Type	Transfer
Record Updated	Jan 21, 2022
Title Company	ZWIREN TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,817.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1613 BUTTONWILLOW CT SW, 1613, OCEAN ISLE BEACH, NC 28469-1410

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 BLUFF ST, CRANFORD, NJ 07016-3001

Mortgage

Document Number	0000028245
Date	Dec 28, 2021
Instrument	28245

Lender

Name	NEW JERSEY LENDERS CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

Source: Union County and Cranford Township assessment roll, as of July 8, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$141,400 (-) Land $68,900 Building $72,500	$141,400 (-) Land $68,900 Building $72,500
2025	$10,249.00 (+6.93%)	$141,400 (-) Land $68,900 Building $72,500	$141,400 (-) Land $68,900 Building $72,500
2024	$9,585.00 (+2.52%)
2023		$141,400 Land $68,900 Building $72,500	$141,400 Land $68,900 Building $72,500
2022	$9,349.00

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 29 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	46 (1978–2021)
Claims Outside the SFHA	33 of 46
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 11 claims Hurricane Irene, Sep 2011 · 15 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 6 claims

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 99.1% of the US · lower than 97.3% of New Jersey
Wildfire Likelihood	Under 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 - 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 536 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

May also be available: T-Mobile.

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