Gloucester County and Clayton Borough property record for 130 E Howard St, Clayton, NJ 08312
| Property Type | Single Family Home |
|---|---|
| Details | 884 sqft · built 1947 |
| Lot Size | 0.173 acres (7,545 sqft) |
| Owner | Individual Name on File |
| Last Sale | $160,000 (Apr 2022) |
| Tax Bill | $5,983 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Apr 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-01407-0000-00003 |
| Primary APN | 01-01407-0000-00003 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 884 sqft Living Area |
| 1st Floor Area | 884 sqft |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Exterior Material | Composition/Composite |
| Lot Area | 7,545 sqft (0.173 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 0100041E00004 |
|---|---|
| Street Address | 130 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 Subdivision | PETERSON FARM SEC 41-E |
| Legal Block | 1407 |
| Legal Lot Number | 3 |
| Jurisdiction | GLOUCESTER NJ |
| Township / Civil Division | CLAYTON |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 501501 |
130 E Howard St is owned and occupied by an individual who bought it in April 2022.
Source: Gloucester County and Clayton Borough records, as of July 6, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 130 E HOWARD ST, CLAYTON, NJ 08312-1238 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 31, 2025 | Deed of Trust, Mortgage · Line of Credit CROSSCOUNTRY MORTGAGE LLC |
| Apr 18, 2022 | Deed, Transfer · FHA Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
| Oct 13, 2021 | Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB |
| Nov 20, 2017 | Deed, Transfer · FHA Mortgage ACRE MORTGAGE & FINANCIAL INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 18, 2022 · Amount on File |
| Deed Sale | Apr 18, 2022 · Amount on File |
| Prior Sale | Nov 20, 2017 · Amount on File |
| Deed Document Number | 202217594 |
| Deed Book / Page | 6665 / 260 |
| Prior Transfer Date | Jun 12, 2000 |
| Prior Transfer Doc | 0000018563 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER NJ |
| Property Address | 130 E HOWARD ST, CLAYTON, NJ 08312-1238 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000042413 |
|---|---|
| Date | Dec 31, 2025 |
| Book Page | 19076/241 |
| Instrument | 42413 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 20, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | GLOUCESTER NJ |
| Recording Date | Apr 18, 2022 |
| Property Address | 130 E HOWARD ST, CLAYTON, NJ 08312-1238 |
| Document Number | 0000017594 |
| Book / Page | 6665 / 260 |
| Instrument Date | Apr 11, 2022 |
| Instrument | 17594 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $560.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4024 QUEENS DR, 4024, MOORE, OK 73160-7680 |
| Name | Verified Name |
|---|---|
| Address | 130 E HOWARD ST, CLAYTON, NJ 08312-1238 |
| Document Number | 0000017595 |
|---|---|
| Date | Apr 18, 2022 |
| Instrument | 17595 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER NJ |
| Property Address | 130 E HOWARD ST, CLAYTON, NJ 08312-1238 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2021 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 130 E HOWARD ST, CLAYTON, NJ 08312-1238 |
| Document Number | 0000055754 |
|---|---|
| Date | Oct 13, 2021 |
| Book Page | 17236/150 |
| Instrument | 55754 |
| Name | CENLAR FSB |
|---|---|
| Type | Bank |
| Address | TRENTON, NJ 08618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 313 Months |
| Due | Nov 1, 2047 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GLOUCESTER NJ |
| Recording Date | Nov 20, 2017 |
| Property Address | 130 E HOWARD ST, CLAYTON, NJ 08312-1238 |
| Document Number | 0000045999 |
| Book / Page | 05774 / 010 |
| Map Reference | MB3129 PG20 |
| Instrument Date | Oct 27, 2017 |
| Instrument | 45999 |
| Transaction Type | Transfer |
| Record Updated | Nov 5, 2021 |
| Title Company | FOUNDATION TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $119.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 130 E HOWARD ST, 130, CLAYTON, NJ 08312-1238 |
| Name | Verified Name |
|---|---|
| Address | 130 E HOWARD ST, CLAYTON, NJ 08312-1238 |
| Document Number | 0000046000 |
|---|---|
| Date | Nov 20, 2017 |
| Instrument | 46000 |
| Name | ACRE MORTGAGE & FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2047 |
The 2025 property tax bill for 130 E Howard St was $5,983, down 7.6% 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 | $277,700 (+19.24%) Land $53,600 Building $224,100 | $277,700 (+19.24%) Land $53,600 Building $224,100 | |
| 2025 | $5,983.00 (-7.63%) | $232,900 Land $53,600 Building $179,300 | $232,900 Land $53,600 Building $179,300 |
| 2024 | $6,477.00 | ||
| 2023 | $112,200 Land $28,600 Building $83,600 | $112,200 Land $28,600 Building $83,600 | |
| 2022 | $4,484.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 130 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 130 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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