132 E Cliff St, Somerville, NJ 08876 Property Records

Somerset County and Somerville Borough property record for 132 E Cliff St, Somerville, NJ 08876

Property Summary

Property Type	Single Family Home
Details	1,468 sqft · built 1900
Lot Size	0.268 acres (11,657 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Sep 2025)
Tax Bill	$11,654 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`18-00072-0000-00001`

Property Details

APN / Parcel Number

Primary APN	`18-00072-0000-00001`
Alternative APN	`180007200001`

Interior

Stories	2 Stories
Building Area	1,468 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	11,657 sqft (0.268 acres)
Lot Dimensions	185 ft deep x 63 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	132 E CLIFF ST
City	SOMERVILLE
State	NJ
Zip	08876-2406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Subdivision	BUILDING LOTS/EAST SOMERVILLE
Legal Block	72
Legal Lot Number	1
Jurisdiction	SOMERSET NJ
Township / Civil Division	SOMERVILLE
Census Block Group	1
Census Block	1007
Census Tract	50100

Owner

Source: Somerset County and Somerville Borough records, as of July 7, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	132 E CLIFF ST, SOMERVILLE, NJ 08876-2406
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2025	Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Jun 28, 2022	Deed, Transfer · Conventional Mortgage SPENCER SAVINGS BANK SLA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2025 · Amount on Record
Deed Sale	Sep 23, 2025 · Amount on Record
Prior Sale	Jun 28, 2022 · Amount on Record
Deed Document Number	202526183
Deed Book / Page	7640 / 301
Prior Transfer Date	May 7, 1991
Prior Transfer Doc	1814000320
Record Updated	Sep 20, 2026

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Sep 23, 2025
Property Address	132 E CLIFF ST, SOMERVILLE, NJ 08876-2406
Document Number	0000026183
Book / Page	7640 / 301
Instrument Date	Sep 12, 2025
Instrument	2025026183
Transaction Type	Transfer
Record Updated	Oct 7, 2025
Title Company	ELITE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,415.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	114 BRANCH RD, BRIDGEWATER, NJ 08807-2115

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	132 E CLIFF ST, SOMERVILLE, NJ 08876-2406

Mortgage

Document Number	0000026184
Date	Sep 23, 2025
Instrument	2025026184

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Jun 28, 2022
Property Address	132 E CLIFF ST, SOMERVILLE, NJ 08876-2406
Document Number	0000028846
Book / Page	7454 / 1
Instrument Date	Jun 9, 2022
Instrument	2022028846
Transaction Type	Transfer
Record Updated	Jul 7, 2022
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,407.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7 42ND ST, 7, WHITEHOUSE STATION, NJ 08889-3541

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 BRANCH RD, BRIDGEWATER, NJ 08807-2115

Mortgage

Document Number	0000028847
Date	Jun 28, 2022
Instrument	2022028847

Lender

Name	SPENCER SAVINGS BANK SLA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

Source: Somerset County and Somerville Borough assessment roll, as of July 7, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$285,700 (-) Land $136,900 Building $148,800	$285,700 (-) Land $136,900 Building $148,800
2025	$11,654.00 (+3.2%)	$285,700 (-) Land $136,900 Building $148,800	$285,700 (-) Land $136,900 Building $148,800
2024	$11,293.00 (+5.1%)
2023		$285,700 Land $136,900 Building $148,800	$285,700 Land $136,900 Building $148,800
2022	$10,745.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 3, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	44 (1983–2021)
Claims Outside the SFHA	13 of 44
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Hurricane Irene, Aug 2011 · 10 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 8 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 10 claims

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

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

Wildfire Risk	Low lower than 94% of the US · lower than 83% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 - RARITAN private · serves 615,430 people · EPA ID NJ2004002
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	1 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 453 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on E Cliff St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures