114 Centennial Ave, Cranford, NJ 07016 Property Records

Union County and Cranford Township property record for 114 Centennial Ave, Cranford, NJ 07016

Property Summary

Property Type	Single Family Home
Details	1,887 sqft · built 1920
Lot Size	0.27 acres (11,774 sqft)
Owner	Individual Name on File
Last Sale	$257,500 (Sep 1999)
Tax Bill	$12,206 (2025)
Deeds & Mortgages	Sep 2021 Second Mortgage Oct 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-00504-0000-00011`

Property Details

APN / Parcel Number

Primary APN	`03-00504-0000-00011`
Alternative APNs	`030050400011` `5934007`

Interior

Stories	2 Stories
Building Area	1,887 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Stucco
Lot Area	11,774 sqft (0.27 acres)
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	5934007
Street Address	114 CENTENNIAL AVE
City	CRANFORD
State	NJ
Zip	07016-3160
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	504
Legal Lot Number	11
Jurisdiction	UNION NJ
Township / Civil Division	CRANFORD
Census Block Group	3
Census Block	3011
Census Tract	37200

Owner

114 Centennial Ave is owned and occupied by an individual who acquired it in June 2020.

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

Owner of Record	Individual Name on File
Mailing Address	114 CENTENNIAL AVE, CRANFORD, NJ 07016-3160
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 30, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Oct 16, 2018	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Oct 21, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage MERCK EMPLOYEES FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 1999 · Amount on File
Deed Sale	Sep 20, 1999 · Amount on File
Deed Document Number	199971889
Deed Book / Page	4875 / 190
Last Transfer Date	Jun 29, 2020
Transfer Doc	0063862435
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	114 CENTENNIAL AVE, CRANFORD, NJ 07016-3160
Transaction Type	Mortgage
Record Updated	Oct 14, 2021
Title Company	SERVICELINK TITLE COMPANY D, SERVICELINK TITLE ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0150702466
Date	Sep 30, 2021
Book Page	15070/2466
Instrument	22057

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	114 CENTENNIAL AVE, CRANFORD, NJ 07016-3160
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0144982495
Date	Oct 16, 2018
Book Page	14498/2495
Instrument	664106

Lender

Name	TD BANK NA
Type	Bank
Address	PORTLAND, ME 04101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 9, 2048

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NJ
Recording Date	Oct 21, 2020
Property Address	114 CENTENNIAL AVE, CRANFORD, NJ 07016-3160
Document Number	0063862435
Book / Page	6386 / 2435
Instrument Date	Jun 29, 2020
Instrument	329335
Transaction Type	Transfer
Record Updated	Nov 4, 2021
Title Company	MEMBERS SETTLEMENT SVCS LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 CENTENNIAL AVE, CRANFORD, NJ 07016-3160

Mortgage

Document Number	701694
Date	Oct 21, 2020
Instrument	701694

Lender

Name	MERCK EMPLOYEES FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 114 Centennial Ave was $12,206, up 6.9% from the year before.

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		$168,400 (-) Land $74,400 Building $94,000	$168,400 (-) Land $74,400 Building $94,000
2025	$12,206.00 (+6.92%)	$168,400 Land $74,400 Building $94,000	$168,400 Land $74,400 Building $94,000
2024	$11,416.00
2023		$168,400 Land $74,400 Building $94,000	$168,400 Land $74,400 Building $94,000
2022	$11,134.00

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

Flood

FEMA maps place 114 Centennial Ave in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1983.

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
Flood Insurance Cost	Premium on File median of 15 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	15 (1983–2021)
Claims Outside the SFHA	9 of 15
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 4 claims Hurricane Irene, Aug 2011 · 2 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 3 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

Wildfire risk around 114 Centennial Ave is low, with less than 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 99.1% of the US · lower than 97.3% of New Jersey
Wildfire Likelihood	Under 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 - 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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