12 Ruth Ave, Clifton, NJ 07014 Property Records

Passaic County and Clifton City property record for 12 Ruth Ave, Clifton, NJ 07014

Property Summary

Property Type	Single Family Home
Details	864 sqft · built 1952
Lot Size	0.129 acres (5,602 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Sep 2018)
Tax Bill	$13,766 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Oct 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-00081-12-00006`

Property Details

APN / Parcel Number

Primary APN	`02-00081-12-00006`
Alternative APN	`0200081001200006`

Interior

Stories	1 Story
Building Area	864 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Wood
Construction Type	Frame
Lot Area	5,602 sqft (0.129 acres)
Lot Dimensions	100 ft deep x 56 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	12 RUTH AVE
City	CLIFTON
State	NJ
Zip	07014-1819
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A3
Legal Block	81.12
Legal Lot Number	6
Jurisdiction	PASSAIC NJ
Township / Civil Division	CLIFTON
Census Block Group	4
Census Block	4009
Census Tract	124402

Owner

12 Ruth Ave is owned and occupied by two individuals who bought it in September 2018.

Source: Passaic County and Clifton City records, as of July 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12 RUTH AVE, CLIFTON, NJ 07014-1819
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
Apr 6, 2021	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
Oct 17, 2019	Grant Deed, Transfer · FHA Mortgage NJ LENDERS
Sep 19, 2018	Executor's Deed, Transfer · Construction Mortgage LENDINGHOME FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2018 · Amount on File
Deed Sale	Sep 19, 2018 · Amount on File
Deed Document Number	201842831
Deed Book / Page	3404 / 242
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASSAIC NJ
Property Address	12 RUTH AVE, CLIFTON, NJ 07014-1819
Transaction Type	Mortgage
Record Updated	Apr 29, 2021
Title Company	FORT SETTLEMENT SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023343
Date	Apr 6, 2021
Book Page	M16997/72
Instrument	2021023343

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PASSAIC NJ
Recording Date	Oct 17, 2019
Property Address	12 RUTH AVE, CLIFTON, NJ 07014-1819
Document Number	0000047210
Book / Page	003674 / 000162
Instrument Date	Oct 10, 2019
Instrument	47210
Transaction Type	Transfer
Record Updated	Nov 6, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$570.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 RUTH AVE CLIFTON NJ 070141818, CLIFTON, NJ 07014-1818

Mortgage

Document Number	47216
Date	Oct 17, 2019
Book Page	015773/000245
Instrument	47216

Lender

Name	NJ LENDERS
Address	LITTLE FALLS, NJ 07424

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 16, 2049

September 2018: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	PASSAIC NJ
Recording Date	Sep 19, 2018
Property Address	12 RUTH AVE, CLIFTON, NJ 07014-1819
Document Number	0000042831
Book / Page	D3404 / 0242
Instrument Date	Jul 11, 2018
Instrument	2018042831
Transaction Type	Transfer
Record Updated	Nov 4, 2021
Title Company	TITLE AGENCY OF NEW JERSEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12 RUTH AVE, 12, CLIFTON, NJ 07014-1819

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 RUTH AVE, CLIFTON, NJ 07014-1819

Mortgage

Document Number	0000042832
Date	Sep 19, 2018
Book Page	M15204/0060
Instrument	2018042832

Lender

Name	LENDINGHOME FUNDING CORP
Type	Funding / Finance Company
Address	SAN FRANCISCO, CA 94104

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 12 Ruth Ave was $13,766, up 3.3% from the year before.

Source: Passaic County and Clifton City assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Passaic County
Municipality	Clifton City
Unified School District	Clifton City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$224,600 (-) Land $86,200 Building $138,400	$224,600 (-) Land $86,200 Building $138,400
2025	$13,766.00 (+3.26%)	$224,600 Land $86,200 Building $138,400	$224,600 Land $86,200 Building $138,400
2024	$13,332.00
2023		$224,600 Land $86,200 Building $138,400	$224,600 Land $86,200 Building $138,400
2022	$12,824.00

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

Flood

FEMA maps place 12 Ruth Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 29, 2024

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

Wildfire risk around 12 Ruth 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 97% of the US · lower than 92% 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	PASSAIC VALLEY WATER COMMISSION serves 310,483 people · EPA ID NJ1605002
Water Source	Surface water
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2021
Monitoring and Reporting	2 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 327 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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