Gloucester County and Clayton Borough property record for 118 E Howard St, Clayton, NJ 08312
| Property Type | Single Family Home |
|---|---|
| Details | 780 sqft · built 1950 |
| Lot Size | 0.26 acres (11,317 sqft) |
| Owner | Individual Name on File |
| Last Sale | $80,000 (Dec 1998) |
| Tax Bill | $5,156 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-01407-0000-00001 |
| Primary APN | 01-01407-0000-00001 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 780 sqft Living Area |
| 1st Floor Area | 780 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Stone |
| Construction Type | Stone |
| Lot Area | 11,317 sqft (0.26 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Parking Spaces | 1 Parking Space |
| Old Parcel Number | 0100041E00001 |
|---|---|
| Street Address | 118 E HOWARD ST |
| City | CLAYTON |
| State | NJ |
| Zip | 08312-1238 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-B |
| Legal Block | 1407 |
| Legal Lot Number | 1 |
| Jurisdiction | GLOUCESTER NJ |
| Township / Civil Division | CLAYTON |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 501501 |
118 E Howard St is owned and occupied by an individual who bought it in December 1998.
Source: Gloucester County and Clayton Borough records, as of July 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 118 E HOWARD ST, CLAYTON, NJ 08312-1238 |
| 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.
| Date | Document |
|---|---|
| Nov 23, 2021 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Oct 31, 2019 | Grant Deed, Transfer · FHA Mortgage GREENTREE MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 11, 1998 · Amount on File |
| Deed Sale | Dec 11, 1998 · Amount on File |
| Prior Sale | May 17, 1994 · Amount on File |
| Deed Document Number | 199840980 |
| Deed Book / Page | 2946 / 19 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER NJ |
| Property Address | 118 E HOWARD ST, CLAYTON, NJ 08312-1238 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000063577 |
|---|---|
| Date | Nov 23, 2021 |
| Book Page | 17323/157 |
| Instrument | 63577 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | GLOUCESTER NJ |
| Recording Date | Oct 31, 2019 |
| Property Address | 118 E HOWARD ST, CLAYTON, NJ 08312-1238 |
| Document Number | 0000041801 |
| Book / Page | 006187 / 000018 |
| Instrument Date | Oct 11, 2019 |
| Instrument | 41801 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2020 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $120.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 S BRIDGEPORT RD BRIDGEPORT NJ 080149733, BRIDGEPORT, NJ 08014-9733 |
| Document Number | 41802 |
|---|---|
| Date | Oct 31, 2019 |
| Book Page | 015988/000174 |
| Instrument | 41802 |
| Name | GREENTREE MTG |
|---|---|
| Type | Mortgage Company |
| Address | GIBBSBORO, NJ 08026 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 30, 2049 |
The 2025 property tax bill for 118 E Howard St was $5,156 with a senior citizen's exemption, up 3.8% from the year before.
Source: Gloucester County and Clayton Borough assessment roll, as of July 6, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Gloucester County |
| Municipality | Clayton Borough |
| Unified School District | Clayton Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $236,200 (+17.69%) Land $58,500 Building $177,700 | $236,200 (+17.69%) Land $58,500 Building $177,700 | |
| 2025 | $5,156.00 (+3.81%) Senior Citizen's exemption | $200,700 Land $58,500 Building $142,200 | $200,700 Land $58,500 Building $142,200 |
| 2024 | $4,967.00 | ||
| 2023 | $104,500 Land $32,900 Building $71,600 | $104,500 Land $32,900 Building $71,600 | |
| 2022 | $4,176.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 118 E Howard St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 16, 2016
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 118 E Howard St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 51% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | BOROUGH OF CLAYTON serves 8,179 people · EPA ID NJ0801001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 229 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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