15 Downs St, Clayton, NJ 08312 Property Records

Gloucester County and Clayton Borough property record for 15 Downs St, Clayton, NJ 08312

Property Summary

Property Type	Single Family Home
Details	2,780 sqft · built 2004
Lot Size	0.211 acres (9,191 sqft)
Owner	Individual Name on Record
Last Sale	$381,000 (Aug 2021)
Tax Bill	$11,817 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-01001-01-00011`

Property Details

APN / Parcel Number

Primary APN	`01-01001-01-00011`
Alternative APN	`0101001000100011`

Interior

Building Area	2,780 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	9,191 sqft (0.211 acres)

Location & Zoning

Street Address	15 DOWNS ST
City	CLAYTON
State	NJ
Zip	08312-2159
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B
Legal Subdivision	HARVEST MDWS
Legal Block	1001
Legal Lot Number	11
Jurisdiction	GLOUCESTER NJ
Township / Civil Division	CLAYTON
Census Block Group	1
Census Block	1057
Census Tract	501502

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	15 DOWNS ST, CLAYTON, NJ 08312-2159
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2021 · Amount on Record
Deed Sale	Aug 18, 2021 · Amount on Record
Prior Sale	Jun 29, 2004 · Amount on Record
Deed Document Number	202145376
Deed Book / Page	6531 / 252
Record Updated	Sep 20, 2026

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	GLOUCESTER NJ
Recording Date	Aug 18, 2021
Property Address	15 DOWNS ST, CLAYTON, NJ 08312-2159
Document Number	0000045376
Book / Page	6531 / 252
Instrument Date	Jul 26, 2021
Instrument	45376
Transaction Type	Transfer
Record Updated	Sep 8, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,333.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15 DOWNS ST, 15, CLAYTON, NJ 08312-2159

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 DOWNS ST, CLAYTON, NJ 08312-2159

Mortgage

Document Number	0000045377
Date	Aug 18, 2021
Instrument	45377

Lender

Name	MERIDIAN BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

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		$531,100 (+15.46%) Land $72,500 Building $458,600	$531,100 (+15.46%) Land $72,500 Building $458,600
2025	$11,817.00 (+3.79%)	$460,000 (+93.44%) Land $72,500 Building $387,500	$460,000 (+93.44%) Land $72,500 Building $387,500
2024	$11,385.00 (+19.79%)
2023		$237,800 Land $36,500 Building $201,300	$237,800 Land $36,500 Building $201,300
2022	$9,504.00

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 August 16, 2016 · 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
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	2 (2011)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2011 · Hurricane Irene

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 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood	0.03% 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	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 235 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20