116 Garden St, Cranford, NJ 07016 Property Records

Union County and Cranford Township property record for 116 Garden St, Cranford, NJ 07016

Property Summary

Property Type	Single Family Home
Details	1,818 sqft · built 1960
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$750,000 (Feb 2024)
Tax Bill	$15,040 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Feb 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03 00285-0000-00005`

Property Details

APN / Parcel Number

Primary APN	`03 00285-0000-00005`
Alternative APNs	`03-00285-0000-00005-02` `030028500005` `3088007`

Interior

Stories	2 Stories
Building Area	1,818 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Colonial
Construction Type	Frame
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	3088007
Street Address	116 GARDEN ST
City	CRANFORD
State	NJ
Zip	07016-2506
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	VILLA SITES
Legal Block	285
Legal Lot Number	5.2
Jurisdiction	UNION NJ
Township / Civil Division	CRANFORD
Census Block Group	5
Census Block	5000
Census Tract	37000

Owner

116 Garden St is owned and occupied by two individuals who bought it in February 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	116 GARDEN ST, CRANFORD, NJ 07016-2506
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 15, 2023	Deed of Trust, Mortgage · FHA Mortgage GATEWAY FIRST BANK
Feb 20, 2024	Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jan 4, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2024 · Amount on File
Deed Sale	Feb 20, 2024 · Amount on File
Prior Sale	Apr 23, 1974 · Amount on File
Deed Document Number	202435816
Deed Book / Page	6537 / 2226
Prior Transfer Date	Dec 5, 2022
Prior Transfer Doc	0064950405
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	116 GARDEN ST, CRANFORD, NJ 07016-2506
Transaction Type	Mortgage
Record Updated	Apr 11, 2024
Title Company	INVESTMENT TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0154122263
Date	Sep 15, 2023
Book Page	15412/2263
Instrument	56344

Lender

Name	GATEWAY FIRST BANK
Type	Bank
Address	JENKS, OK 74037

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Feb 20, 2024
Property Address	116 GARDEN ST, CRANFORD, NJ 07016-2506
Document Number	0065372226
Book / Page	6537 / 2226
Instrument Date	Jan 2, 2024
Instrument	35816
Transaction Type	Transfer
Record Updated	Apr 11, 2024
Title Company	REALSAFE TITLE LLC, REAL SAFE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,775.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	114 GARDEN ST, CRANFORD, NJ 07016-2506

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 GARDEN ST, CRANFORD, NJ 07016-2506

Mortgage

Document Number	0000061561
Date	Feb 20, 2024
Instrument	61561

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2054

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NJ
Recording Date	Jan 4, 2023
Property Address	116 GARDEN ST, CRANFORD, NJ 07016-2506
Document Number	0064950405
Book / Page	6495 / 405
Instrument Date	Dec 5, 2022
Instrument	25678
Transaction Type	Transfer
Record Updated	Apr 11, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	116 GARDEN ST, CRANFORD, NJ 07016-2506

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 GARDEN ST, CRANFORD, NJ 07016-2506

Tax Assessment & Valuation

The 2025 property tax bill for 116 Garden St was $15,040, up 118.2% 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		$207,500 (-) Land $63,800 Building $143,700	$207,500 (-) Land $63,800 Building $143,700
2025	$15,040.00 (+118.16%)	$207,500 Land $63,800 Building $143,700	$207,500 Land $63,800 Building $143,700
2024	$6,894.00
2023		$101,700 (-49.6%) Land $63,800 Building $37,900	$101,700 (-49.6%) Land $63,800 Building $37,900
2022	$13,343.00	$201,800 Land $76,900 Building $124,900	$201,800 Land $76,900 Building $124,900

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 116 Garden St in Zone X, an area of minimal flood risk, though there have been 230 flood claims nearby since 1978.

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 85 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	85 in force
Nearby Flood Claims	230 (1978–2023)
Claims Outside the SFHA	26 of 230
Most Recent Claim	May 2023 · rainfall accumulation
Claims by Event	Hurricane Irene, Sep 2011 · 65 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 41 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 45 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 116 Garden St 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 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.

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: AT&T, T-Mobile.

Nearby Properties on Garden St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures