120 Harding Ave, Mount Ephraim, NJ 08059 Property Records

Camden County and Mount Ephraim Borough property record for 120 Harding Ave, Mount Ephraim, NJ 08059

Property Summary

Property Type	Single Family Home
Details	1,384 sqft · built 1996
Lot Size	0.115 acres (5,001 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Sep 2024)
Tax Bill	$9,484 (2025)
Deeds & Mortgages	Apr 2026 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-00096-0000-00005-04`

Property Details

APN / Parcel Number

Primary APN	`25-00096-0000-00005-04`
Alternative APNs	`25000960000000050004` `2500096000000005C`

Interior

Stories	2 Stories
Building Area	1,384 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Construction Type	Frame
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	2500096000000005C
Street Address	120 HARDING AVE
City	MOUNT EPHRAIM
State	NJ
Zip	08059-1528
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INCL BLK 96 LOTS 5-04 5 & 5-C
Legal Subdivision	LINWOOD TR SEC 18
Legal Block	96
Legal Lot Number	5.4
Jurisdiction	CAMDEN NJ
Township / Civil Division	MOUNT EPHRAIM
Census Block Group	2
Census Block	2010
Census Tract	605400

Owner

120 Harding Ave is owned and occupied by an individual who bought it in September 2024.

Source: Camden County and Mount Ephraim Borough records, as of July 1, 2026

Owner of Record	Individual Name on File
Mailing Address	120 HARDING AVE, MOUNT EPHRAIM, NJ 08059-1528
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 22, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
May 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Sep 30, 2017	Deed, Transfer · FHA Mortgage ATLANTIC PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2024 · Amount on File
Deed Sale	Sep 27, 2024 · Amount on File
Prior Sale	Aug 13, 2002 · Amount on File
Deed Document Number	202458455
Deed Book / Page	12667 / 1930
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMDEN NJ
Recording Date	Apr 22, 2026
Property Address	120 HARDING AVE, MOUNT EPHRAIM, NJ 08059-1528
Document Number	0000025614
Book / Page	13073 / 456
Instrument Date	Apr 11, 2026
Instrument	202625614
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 HARDING AVE, MOUNT EPHRAIM, NJ 08059-1528

Mortgage

Document Number	0000025614,
Date	Apr 22, 2026
Book Page	13073/456
Instrument	202625614

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	343 Months
Due	Nov 1, 2054

Interest

Rate	6.11%
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMDEN NJ
Property Address	120 HARDING AVE, MOUNT EPHRAIM, NJ 08059-1528
Transaction Type	Mortgage
Record Updated	Aug 17, 2022
Title Company	FOUNDATION TITLE, FOUNDATION TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041925
Date	May 4, 2021
Book Page	11714/1464
Instrument	2021041925

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CAMDEN NJ
Recording Date	Sep 30, 2017
Property Address	120 HARDING AVE, MOUNT EPHRAIM, NJ 08059-1528
Document Number	0000070756
Book / Page	10722 / 0555
Instrument Date	Jul 11, 2017
Instrument	2017070756
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	FOUNDATION TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	34 LYNN DR, 34, TOMS RIVER, NJ 08753-5216

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 HARDING AVE, MOUNT EPHRAIM, NJ 08059-1528

Mortgage

Document Number	0000070757
Date	Sep 30, 2017
Instrument	2017070757

Lender

Name	ATLANTIC PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 120 Harding Ave was $9,484, up 4.9% from the year before.

Source: Camden County and Mount Ephraim Borough assessment roll, as of July 1, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Camden County
Municipality	Mount Ephraim Borough
Unified School District	Mount Ephraim Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$177,300 (-) Land $38,400 Building $138,900	$177,300 (-) Land $38,400 Building $138,900
2025	$9,484.00 (+4.87%)	$177,300 Land $38,400 Building $138,900	$177,300 Land $38,400 Building $138,900
2024	$9,044.00
2023		$173,100 Land $38,400 Building $134,700	$173,100 Land $38,400 Building $134,700
2022	$8,684.00

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 120 Harding Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1988.

Source: FEMA National Flood Hazard Layer, effective April 22, 2026 · 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	4 in force
Nearby Flood Claims	1 (1988)
Most Recent Claim	Jul 1988 · river or lake 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

The area around 120 Harding Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 - WESTERN private · serves 274,291 people · EPA ID NJ0327001
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	3 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 616 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

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