12 Downs St, Clayton, NJ 08312 Property Records

Gloucester County and Clayton Borough property record for 12 Downs St, Clayton, NJ 08312 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3,036 sqft · built 2004
Lot Size	0.441 acres (19,210 sqft)
Owner	Individual Name on File
Last Sale	$565,000 (Jun 2026)
Tax Bill	$13,138 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Mar 2026 Sale & Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-01001-02-00007`

Property Details

APN / Parcel Number

Primary APN	`01-01001-02-00007`
Alternative APN	`0101001000200007`

Interior

Building Area	3,036 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	19,210 sqft (0.441 acres)

Location & Zoning

Street Address	12 DOWNS ST
City	CLAYTON
State	NJ
Zip	08312-2160
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	HARVEST MDWS
Legal Block	1001
Legal Lot Number	7
Jurisdiction	GLOUCESTER NJ
Township / Civil Division	CLAYTON
Census Block Group	1
Census Block	1058
Census Tract	501502

Owner

Source: Gloucester County and Clayton Borough records · APN 01-01001-02-00007

Assessment roll updated July 6, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	12 DOWNS ST, CLAYTON, NJ 08312-2160
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Deed, Transfer · Conventional Mortgage ABSOLUTE MORTGAGE CORPORATION
Mar 26, 2026	Deed, Construction Loan · Construction Mortgage RFLF 4 LLC
Sep 17, 2021	Deed, Transfer · FHA Mortgage EVESHAM MORTGAGE LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 30, 2026 · Amount on Record
Deed Sale	Jun 30, 2026 · Amount on Record
Prior Sale	Mar 26, 2026 · Amount on Record
Deed Document Number	202620796
Deed Book / Page	7368 / 118
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	GLOUCESTER NJ
Recording Date	Jun 30, 2026
Property Address	12 DOWNS ST, CLAYTON, NJ 08312-2160
Document Number	0000020796
Book / Page	7368 / 118
Instrument Date	Jun 03, 2026
Instrument	202620796
Transaction Type	Transfer
Record Updated	Jul 07, 2026
Title Company	TITLE GROUP, KELLY TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$57,065.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 DOWNS ST, CLAYTON, NJ 08312-2160

Mortgage

Document Number	0000020797,
Date	Jun 30, 2026
Instrument	202620797

Lender

Name	ABSOLUTE MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

March 2026: Deed, Construction Loan

Document Type	Deed
Jurisdiction	GLOUCESTER NJ
Recording Date	Mar 26, 2026
Property Address	12 DOWNS ST, CLAYTON, NJ 08312-2160
Document Number	0000009309
Book / Page	7322 / 333
Instrument Date	Mar 23, 2026
Instrument	9309
Transaction Type	Construction Loan
Record Updated	Apr 09, 2026
Title Company	ALPERT ABSTRACT, ALPERT ABSTRACT LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12 DOWNS ST, CLAYTON, NJ 08312-2160

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4839 E STREET RD, FEASTERVILLE TREVOSE, PA 19053-6647
Investor	Possibly a Property Investor

Mortgage

Document Number	0000009310
Date	Mar 26, 2026
Instrument	9310

Lender

Name	RFLF 4 LLC
Type	Non-Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Apr 01, 2027

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	GLOUCESTER NJ
Recording Date	Sep 17, 2021
Property Address	12 DOWNS ST, CLAYTON, NJ 08312-2160
Document Number	0000050837
Book / Page	6548 / 66
Instrument Date	Aug 27, 2021
Instrument	50837
Transaction Type	Transfer
Record Updated	Oct 14, 2021
Title Company	FOUNDATION TITLE, FOUNDATION TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$415.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12 DOWNS ST, 12, CLAYTON, NJ 08312-2160

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 DOWNS ST, CLAYTON, NJ 08312-2160

Mortgage

Document Number	0000050838
Date	Sep 17, 2021
Instrument	50838

Lender

Name	EVESHAM MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2051

Tax Assessment & Valuation

Source: Gloucester County and Clayton Borough records · Assessment roll updated July 6, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Gloucester County
Municipality	Clayton Borough
Unified School District	Clayton Borough School District (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$537,300 (+5.06%) Land $87,400 Building $449,900	$537,300 (+5.06%) Land $87,400 Building $449,900
2025	$13,138.00 (+11.54%)	$511,400 (+89.41%) Land $87,400 Building $424,000	$511,400 (+89.41%) Land $87,400 Building $424,000
2024	$11,779.00 (+9.16%)
2023		$270,000 Land $52,100 Building $217,900	$270,000 Land $52,100 Building $217,900
2022	$10,791.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Gloucester County (34015C), updated August 16, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340155015021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 13 individual NFIP policies nearby
Nearby Flood Policies	13 in force
Nearby Flood Claims	2 (2011)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2011, river or lake flooding, Hurricane Irene

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 77 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fiber	2,300 / 2,300
Xfinity	Cable	1,200 / 35
AT&T	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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