144 E Cliff St, Somerville, NJ 08876 Property Records

Somerset County and Somerville Borough property record for 144 E Cliff St, Somerville, NJ 08876

Property Summary

Property Type	Single Family Home
Details	1,656 sqft · built 1920
Lot Size	0.328 acres (14,301 sqft)
Owner	Individual on Record
Last Sale	$530,000 (Apr 2023)
Tax Bill	$11,633 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`18-00072-0000-00004`

Property Details

APN / Parcel Number

Primary APN	`18-00072-0000-00004`
Alternative APN	`180007200004`

Interior

Stories	2 Stories
Building Area	1,656 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	14,301 sqft (0.328 acres)
Lot Dimensions	286 ft deep x 50 ft wide

Location & Zoning

Street Address	144 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 Block	72
Legal Lot Number	4
Jurisdiction	SOMERSET NJ
Township / Civil Division	SOMERVILLE
Census Block Group	1
Census Block	1007
Census Tract	50100

Owner

Source: Somerset County and Somerville Borough assessment roll, 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	Individual on Record
Mailing Address	144 E CLIFF ST, SOMERVILLE, NJ 08876-2406
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2023	Deed, Transfer · Conventional Mortgage NEW JERSEY LENDERS CORP
Mar 21, 2022	Deed of Trust, Mortgage · Commercial Mortgage FE FUNDING RAI LLC
Dec 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage FE FUNDING RAL LLC
Sep 14, 2020	Grant Deed, Transfer ISLAND TITLE CORPORATION, ISLAND TITLE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2023 · Amount on Record
Deed Sale	Apr 5, 2023 · Amount on Record
Prior Sale	Sep 14, 2020 · Amount on Record
Deed Document Number	20238408
Deed Book / Page	7499 / 3482
Record Updated	Sep 20, 2026

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Apr 5, 2023
Property Address	144 E CLIFF ST, SOMERVILLE, NJ 08876-2406
Document Number	0000008408
Book / Page	7499 / 3483
Instrument Date	Mar 22, 2023
Instrument	2023008408
Transaction Type	Transfer
Record Updated	Apr 17, 2023
Title Company	MEGA TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,463.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2 BEECHWOOD TER, GREEN BROOK, NJ 08812-2102

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	144 E CLIFF ST, SOMERVILLE, NJ 08876-2406

Mortgage

Document Number	0000008409
Date	Apr 5, 2023
Instrument	2023008409

Lender

Name	NEW JERSEY LENDERS CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 4, 2053

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	144 E CLIFF ST, SOMERVILLE, NJ 08876-2406
Transaction Type	Mortgage
Record Updated	Mar 31, 2022
Title Company	AGENT FOR OLD REPUBLIC NATL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 BEECHWOOD TER, GREEN BROOK, NJ 08812-2102

Mortgage

Document Number	0000011678
Date	Mar 21, 2022
Book Page	7432/1923
Instrument	2022011678

Lender

Name	FE FUNDING RAI LLC
Type	Non-Lending Institution
Address	SEA GIRT, NJ 08750

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	144 E CLIFF ST, SOMERVILLE, NJ 08876-2406
Document Number	0000068085
Instrument Date	Dec 18, 2020
Transaction Type	Mortgage
Record Updated	Jan 22, 2021
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	144 E CLIFF ST SOMERVILLE NJ 088762406, SOMERVILLE, NJ 08876-2406

Mortgage

Document Number	0000068085
Date	Dec 18, 2020
Book Page	007290/002959
Instrument	68085

Lender

Name	FE FUNDING RAL LLC
Address	1330 LAUREL AVE # 104, SEA GIRT, NJ 08750-2319

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 2050

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SOMERSET NJ
Recording Date	Sep 14, 2020
Property Address	144 E CLIFF ST, SOMERVILLE, NJ 08876-2406
Document Number	0000042387
Book / Page	007248 / 001646
Instrument Date	Sep 8, 2020
Instrument	42387
Transaction Type	Transfer
Record Updated	Oct 21, 2020
Title Company	ISLAND TITLE CORPORATION, ISLAND TITLE CORP

Transaction

Amount	Amount Recorded
Tax	$252.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2 BEECHWOOD TER GREEN BROOK NJ 088122102, GREEN BROOK, NJ 08812-2102

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		$285,200 (-) Land $142,800 Building $142,400	$285,200 (-) Land $142,800 Building $142,400
2025	$11,633.00 (+3.18%)	$285,200 (+9.31%) Land $142,800 Building $142,400	$285,200 (+9.31%) Land $142,800 Building $142,400
2024	$11,274.00 (+14.9%)
2023		$260,900 Land $142,800 Building $118,100	$260,900 Land $142,800 Building $118,100
2022	$9,812.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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.

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