Essex County and Cedar Grove Township property record for 186 Cedar St, Cedar Grove, NJ 07009
| Property Type | Single Family Home |
|---|---|
| Details | 2,628 sqft · built 1897 |
| Lot Size | 0.595 acres (25,914 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $575,000 (Jul 2016) |
| Tax Bill | $17,377 (2025) |
| Deeds & Mortgages | Jun 2021 Line of Credit Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-00140-0000-00363 |
| Primary APN | 04-00140-0000-00363 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,628 sqft Living Area |
| Year Built | Built 1897 |
|---|---|
| Effective Year Built | Effective 1897 |
| Construction Type | Frame |
| Lot Area | 25,914 sqft (0.595 acres) |
| Lot Dimensions | 209 ft deep x 124 ft wide |
| Old Parcel Number | 040014000363 |
|---|---|
| Street Address | 186 CEDAR ST |
| City | CEDAR GROVE |
| State | NJ |
| Zip | 07009-1616 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 124X209+8X209TRI IRR |
| Legal Block | 140 |
| Legal Lot Number | 363 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | CEDAR GROVE |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 21400 |
186 Cedar St is owned and occupied by two individuals who bought it in July 2016.
Source: Essex County and Cedar Grove Township records, as of July 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 186 CEDAR ST, CEDAR GROVE, NJ 07009-1616 |
| 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.
| Date | Document |
|---|---|
| Jun 16, 2021 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Jun 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 19, 2016 · Amount on File |
| Deed Sale | Jul 19, 2016 · Amount on File |
| Prior Sale | Dec 1, 2008 · Amount on File |
| Deed Document Number | 201660384 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 186 CEDAR ST, CEDAR GROVE, NJ 07009-1616 |
| Transaction Type | Mortgage |
| Record Updated | Jul 6, 2021 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 2021074577 |
|---|---|
| Date | Jun 16, 2021 |
| Instrument | 2021074577 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | May 14, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 186 CEDAR ST, CEDAR GROVE, NJ 07009-1616 |
| Document Number | 0000063760 |
| Instrument Date | Jun 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2020 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 186 CEDAR ST CEDAR GROVE NJ 070091616, CEDAR GROVE, NJ 07009-1616 |
| Document Number | 0000063760 |
|---|---|
| Date | Jul 10, 2020 |
| Instrument | 63760 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 9, 2040 |
The 2025 property tax bill for 186 Cedar St was $17,377, up 2.8% from the year before.
Source: Essex County and Cedar Grove Township assessment roll, as of July 2, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Essex County |
| County Subdivision | Cedar Grove Township |
| Unified School District | Cedar Grove Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,033,900 (+59.87%) Land $475,600 Building $558,300 | $1,033,900 (+59.87%) Land $475,600 Building $558,300 | |
| 2025 | $17,377.00 (+2.8%) | $646,700 Land $352,600 Building $294,100 | $646,700 Land $352,600 Building $294,100 |
| 2024 | $16,904.00 | ||
| 2023 | $538,500 Land $352,600 Building $185,900 | $538,500 Land $352,600 Building $185,900 | |
| 2022 | $13,807.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 186 Cedar St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 24, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 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 | 2 in force |
| Nearby Flood Claims | 2 (2021–2024) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Aug 2024 · river or lake flooding |
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 risk around 186 Cedar St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.5% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CEDAR GROVE WATER DEPT serves 12,900 people · EPA ID NJ0704001 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2024 |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 359 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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