Union County and Cranford Township property record for 103 Cummings St, Cranford, NJ 07016
| Property Type | Single Family Home |
|---|---|
| Details | 1,345 sqft · built 1894 |
| Lot Size | 0.218 acres (9,500 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $300,000 (Jun 2008) |
| Tax Bill | $18,106 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage Oct 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-00516-0000-00024 |
| Primary APN | 03-00516-0000-00024 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,345 sqft Living Area |
| Year Built | Built 1894 |
|---|---|
| Effective Year Built | Effective 1894 |
| Construction Type | Frame |
| Lot Area | 9,500 sqft (0.218 acres) |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 6140007 |
|---|---|
| Street Address | 103 CUMMINGS ST |
| City | CRANFORD |
| State | NJ |
| Zip | 07016-3109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 516 |
| Legal Lot Number | 24 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | CRANFORD |
| Census Block Group | 4 |
| Census Block | 4013 |
| Census Tract | 37200 |
Source: Union County and Cranford Township records, as of July 8, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 103 CUMMINGS ST, CRANFORD, NJ 07016-3109 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 18, 2019 | Deed of Trust, Mortgage · ARM ATLANTIC FCU |
| Oct 10, 2017 | Loan Modification, Mortgage · Line of Credit ATLANTIC FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 2008 · Amount on Record |
| Deed Sale | Jun 24, 2008 · Amount on Record |
| Prior Sale | Feb 5, 2008 |
| Deed Document Number | 2008196280 |
| Deed Book / Page | 5717 / 976 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 103 CUMMINGS ST, CRANFORD, NJ 07016-3109 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ZINN TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0145962945 |
|---|---|
| Date | Sep 18, 2019 |
| Book Page | 14596/2945 |
| Instrument | 678727 |
| Name | ATLANTIC FCU |
|---|---|
| Type | Credit Union |
| Address | KENILWORTH, NJ 07033 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Oct 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.37% |
| Index | 1-Year LIBOR |
| Max Rate | 8.37% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 103 CUMMINGS ST, CRANFORD, NJ 07016-3109 |
| Document Number | 0143500953 |
| Book / Page | 014350 / 000953 |
| Instrument Date | Oct 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 103 CUMMINGS ST CRANFORD NJ 070163109, CRANFORD, NJ 07016-3109 |
| Document Number | 0143500953 |
|---|---|
| Date | Oct 19, 2017 |
| Book Page | 014350/000953 |
| Instrument | 647900 |
| Name | ATLANTIC FCU |
|---|---|
| Type | Credit Union |
| Address | KENILWORTH, NJ 07033 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 18, 2032 |
| Rate Type | Adjustable Rate |
|---|
Source: Union County and Cranford Township assessment roll, as of July 8, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Union County |
| County Subdivision | Cranford Township |
| Unified School District | Cranford Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $249,800 (-) Land $70,800 Building $179,000 | $249,800 (-) Land $70,800 Building $179,000 | |
| 2025 | $18,106.00 (+6.93%) | $249,800 (-) Land $70,800 Building $179,000 | $249,800 (-) Land $70,800 Building $179,000 |
| 2024 | $16,933.00 (+2.52%) | ||
| 2023 | $249,800 Land $70,800 Building $179,000 | $249,800 Land $70,800 Building $179,000 | |
| 2022 | $16,516.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 94% 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.
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 418 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures