12 Cambridge E, Oxford, NJ 07863 Property Records

Warren County and Oxford Township property record for 12 Cambridge E, Oxford, NJ 07863

Property Summary

Property Type	Single Family Home
Details	1,368 sqft · built 1988
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Sep 2025)
Tax Bill	$5,855 (2025)
Deeds & Mortgages	Jun 2025 Mortgage Sep 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-00031-0000-00021-0000-C0012`

Property Details

APN / Parcel Number

Primary APN	`17-00031-0000-00021-0000-C0012`
Alternative APN	`1700031000000021C0012`

Interior

Building Area	1,368 sqft Living Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Condo/Apartment
Lot Area	10,454 sqft (0.24 acres)

Location & Zoning

Street Address	12 CAMBRIDGE E
City	OXFORD
State	NJ
Zip	07863-3406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Description	ADDITIONAL LOTS: BLDG 2 DEVONSHIRE
Legal Subdivision	CAMBRIDGE/OXFORD EAST BLDG 02
Legal Block	31
Legal Lot Number	21
Jurisdiction	WARREN NJ
Township / Civil Division	OXFORD
Census Block Group	1
Census Block	1016
Census Tract	31602

Owner

12 Cambridge E is owned and occupied by two individuals who bought it in September 2025.

Source: Warren County and Oxford Township records, as of August 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12 CAMBRIDGE E, OXFORD, NJ 07863-3406
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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
Jun 13, 2025	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Sep 29, 2025	Deed, Transfer · FHA Mortgage NEW JERSEY LENDERS CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2025 · Amount on File
Deed Sale	Sep 29, 2025 · Amount on File
Prior Sale	Jul 14, 2000 · Amount on File
Deed Document Number	2025626888
Deed Book / Page	3527 / 218
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NJ
Property Address	12 CAMBRIDGE E, OXFORD, NJ 07863-3406
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007749/248
Date	Jun 13, 2025
Book Page	7749/248
Instrument	2025-622188

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	LIVONIA, MI 48152

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2040

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN NJ
Recording Date	Sep 29, 2025
Property Address	12 CAMBRIDGE E, OXFORD, NJ 07863-3406
Document Number	003527/218
Book / Page	3527 / 218
Instrument Date	Sep 29, 2025
Instrument	2025-626888
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	REALSAFE TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1627 COUNTY ROAD ROUTE 517 #306306, 306306, LAFAYETTE, NJ 07848

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	12 CAMBRIDGE E, OXFORD, NJ 07863-3406

Mortgage

Document Number	2025626889
Date	Sep 29, 2025
Instrument	2025-626889

Lender

Name	NEW JERSEY LENDERS CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jul 1, 2055

Mortgage

Document Number	007796/188
Date	Sep 29, 2025
Book Page	7796/188
Instrument	2025-626890

Lender

Name	NEW JERSEY HOUSING & MORTGAGE FIN AGENCY
Type	Government Agency
Address	TRENTON, NJ 08650

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	57 Months
Due	Jun 5, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 12 Cambridge E was $5,855, down 0.4% from the year before.

Source: Warren County and Oxford Township assessment roll, as of July 7, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$121,300 (-) Land $35,000 Building $86,300	$121,300 (-) Land $35,000 Building $86,300
2025	$5,855.00 (-0.41%)	$121,300 (-) Land $35,000 Building $86,300	$121,300 (-) Land $35,000 Building $86,300
2024	$5,879.00 (+8.61%)	$121,300 (-) Land $35,000 Building $86,300	$121,300 (-) Land $35,000 Building $86,300
2023	$5,413.00 (+1.73%)	$121,300 Land $35,000 Building $86,300	$121,300 Land $35,000 Building $86,300
2022	$5,321.00

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

Flood

FEMA maps place 12 Cambridge E in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2021.

Source: FEMA National Flood Hazard Layer, effective September 29, 2011 · 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
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2021–2023)
Most Recent Claim	Jul 2023 · Severe Storm And Flooding

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 12 Cambridge E is low, with 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 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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