131 E Howard St, Clayton, NJ 08312 Property Records

Gloucester County and Clayton Borough property record for 131 E Howard St, Clayton, NJ 08312

Property Summary

Property Type	Single Family Home
Details	1,765 sqft · built 1947
Lot Size	0.611 acres (26,624 sqft)
Owner	2 Individual Names on File
Last Sale	$85,000 (Nov 1991)
Tax Bill	$6,548 (2025)
Deeds & Mortgages	Feb 2020 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-01511-0000-00004`

Property Details

APN / Parcel Number

Primary APN	`01-01511-0000-00004`
Alternative APNs	`0100041F00007A` `010151100004`

Interior

Stories	1 Story
Building Area	1,765 sqft Living Area
1st Floor Area	1,765 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Construction Type	Frame
Lot Area	26,624 sqft (0.611 acres)
Lot Dimensions	213 ft deep x 125 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	0100041F00007A
Street Address	131 E HOWARD ST
City	CLAYTON
State	NJ
Zip	08312-1237
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B
Legal Block	1511
Legal Lot Number	4
Jurisdiction	GLOUCESTER NJ
Township / Civil Division	CLAYTON
Census Block Group	2
Census Block	2009
Census Tract	501501

Owner

131 E Howard St is owned and occupied by two individuals who bought it in November 1991.

Source: Gloucester County and Clayton Borough records, as of July 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	131 E HOWARD ST, CLAYTON, NJ 08312-1237
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 1991 · Amount on File
Deed Sale	Nov 27, 1991 · Amount on File
Deed Book / Page	2159 / 270
Record Updated	Sep 20, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER NJ
Property Address	131 E HOWARD ST, CLAYTON, NJ 08312-1237
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007193
Date	Feb 21, 2020
Book Page	16122/325
Instrument	7193

Lender

Name	SOUTH JERSEY FCU
Type	Credit Union
Address	WOODBURY, NJ 08096

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	59 Months
Due	Jan 27, 2025

Tax Assessment & Valuation

The 2025 property tax bill for 131 E Howard St was $6,548, up 3.8% from the year before.

Source: Gloucester County and Clayton Borough assessment roll, as of July 6, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$272,100 (+6.75%) Land $72,800 Building $199,300	$272,100 (+6.75%) Land $72,800 Building $199,300
2025	$6,548.00 (+3.8%)	$254,900 Land $72,800 Building $182,100	$254,900 Land $72,800 Building $182,100
2024	$6,308.00
2023		$157,400 Land $47,800 Building $109,600	$157,400 Land $47,800 Building $109,600
2022	$6,291.00

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

Flood

FEMA maps place 131 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

Wildfire risk around 131 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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