Somerset County and Somerville Borough property record for 154 E Cliff St, Somerville, NJ 08876
| Property Type | Single Family Home |
|---|---|
| Details | 864 sqft · built 1920 |
| Lot Size | 0.186 acres (8,120 sqft) |
| Owner | Individual Name on File |
| Last Sale | $275,000 (Jan 2021) |
| Tax Bill | $9,382 (2025) |
| Deeds & Mortgages | Oct 2025 Second Mortgage Oct 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-00072-0000-00010 |
| Primary APN | 18-00072-0000-00010 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 864 sqft Living Area |
| 1st Floor Area | 864 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Construction Type | Frame |
| Lot Area | 8,120 sqft (0.186 acres) |
| Lot Dimensions | 203 ft deep x 40 ft wide |
| Street Address | 154 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 | VILLA SITES/SOMERVILLE |
| Legal Block | 72 |
| Legal Lot Number | 10 |
| Jurisdiction | SOMERSET NJ |
| Township / Civil Division | SOMERVILLE |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 50100 |
Source: Somerset County and Somerville Borough records · APN 18-00072-0000-00010
Assessment roll updated July 7, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 154 E CLIFF ST, SOMERVILLE, NJ 08876-2406 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 30, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage O AND R UTILITIES EMPLOYEES FCU |
| Oct 19, 2023 | Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC |
| Jan 29, 2021 | Deed, Transfer · FHA Mortgage LAKEVIEW MORTGAGE BANKERS CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 29, 2021 · Amount on Record |
| Deed Sale | Jan 29, 2021 · Amount on Record |
| Prior Sale | Sep 15, 2016 · Amount on Record |
| Deed Document Number | 20216621 |
| Deed Book / Page | 7303 / 2112 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Property Address | 154 E CLIFF ST, SOMERVILLE, NJ 08876-2406 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000030479 |
|---|---|
| Date | Oct 30, 2025 |
| Book Page | 7647/1640 |
| Instrument | 2025030479 |
| Name | O AND R UTILITIES EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | MONROE, NY 10950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 15, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Property Address | 154 E CLIFF ST, SOMERVILLE, NJ 08876-2406 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 154 E CLIFF ST, SOMERVILLE, NJ 08876-2406 |
| Document Number | 0000027473 |
|---|---|
| Date | Oct 19, 2023 |
| Book Page | 7530/302 |
| Instrument | 2023027473 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85254 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 327 Months |
| Due | Jan 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Recording Date | Jan 29, 2021 |
| Property Address | 154 E CLIFF ST, SOMERVILLE, NJ 08876-2406 |
| Document Number | 0000006621 |
| Book / Page | 7303 / 2112 |
| Instrument Date | Oct 30, 2020 |
| Instrument | 2021006621 |
| Transaction Type | Transfer |
| Record Updated | Nov 05, 2021 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,520.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 78 DANFORTH ST APT 5, 78, PORTLAND, ME 04101-4528 |
| Name | Verified Name |
|---|---|
| Address | 154 E CLIFF ST, SOMERVILLE, NJ 08876-2406 |
| Document Number | 0000006622 |
|---|---|
| Date | Jan 29, 2021 |
| Instrument | 2021006622 |
| Name | LAKEVIEW MORTGAGE BANKERS CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2051 |
Source: Somerset County and Somerville Borough records · Assessment roll updated July 7, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Somerset County |
| Municipality | Somerville Borough |
| Unified School District | Somerville Borough School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $230,000 (-) Land $138,500 Building $91,500 | $230,000 (-) Land $138,500 Building $91,500 | |
| 2025 | $9,382.00 (+3.2%) | $230,000 (-) Land $138,500 Building $91,500 | $230,000 (-) Land $138,500 Building $91,500 |
| 2024 | $9,091.00 (+5.1%) | ||
| 2023 | $230,000 Land $138,500 Building $91,500 | $230,000 Land $138,500 Building $91,500 | |
| 2022 | $8,650.00 |
Source: FEMA National Flood Hazard Layer as of September 3, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| 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 |
|
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T.
Based on FCC filings for 453 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NJ AMERICAN WATER - RARITAN private · serves 615,430 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | 1 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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