194 E Cliff St, Somerville, NJ 08876 Property Records

Somerset County and Somerville Borough property record for 194 E Cliff St, Somerville, NJ 08876

Property Summary

Property Type	Single Family Home
Details	1,243 sqft · built 1917
Lot Size	0.091 acres (3,960 sqft)
Owner	2 Individual Names on Record
Tax Bill	$9,480 (2025)
Deeds & Mortgages	Jun 2017 Loan Modification May 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`18-00045-0000-00029`

Property Details

APN / Parcel Number

Primary APN	`18-00045-0000-00029`
Alternative APN	`180004500029`

Interior

Stories	2 Stories
Building Area	1,243 sqft Living Area

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Construction Type	Frame
Lot Area	3,960 sqft (0.091 acres)
Lot Dimensions	99 ft deep x 40 ft wide

Location & Zoning

Street Address	194 E CLIFF ST
City	SOMERVILLE
State	NJ
Zip	08876-2415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Subdivision	SOMERVILLE
Legal Block	45
Legal Lot Number	29
Jurisdiction	SOMERSET NJ
Township / Civil Division	SOMERVILLE
Census Block Group	1
Census Block	1010
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	194 E CLIFF ST, SOMERVILLE, NJ 08876-2415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2017	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK
May 25, 2017	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SOMERSET NJ
Property Address	194 E CLIFF ST, SOMERVILLE, NJ 08876-2415
Document Number	0000026286
Instrument Date	Jun 6, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 E CLIFF ST SOMERVILLE NJ 088762415, SOMERVILLE, NJ 08876-2415

Mortgage

Document Number	0000026286
Date	Jul 6, 2017
Book Page	006971/002032
Instrument	26286

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	456 Months
Due	Jul 5, 2055

Interest

Rate	3.95%

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SOMERSET NJ
Property Address	194 E CLIFF ST, SOMERVILLE, NJ 08876-2415
Document Number	0000023684
Instrument Date	May 25, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 E CLIFF ST SOMERVILLE NJ 088762415, SOMERVILLE, NJ 08876-2415

Mortgage

Document Number	0000023684
Date	Jun 16, 2017
Book Page	006967/000915
Instrument	23684

Lender

Name	WELLS FARGO BK
Address	MINNEAPOLIS, MN 55467

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Jun 15, 2057

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		$232,400 (-) Land $129,100 Building $103,300	$232,400 (-) Land $129,100 Building $103,300
2025	$9,480.00 (+3.2%)	$232,400 (-) Land $129,100 Building $103,300	$232,400 (-) Land $129,100 Building $103,300
2024	$9,186.00 (+5.1%)
2023		$232,400 Land $129,100 Building $103,300	$232,400 Land $129,100 Building $103,300
2022	$8,740.00

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 minimal risk
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 99.1% of the US · lower than 97.3% 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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