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197 E Howard St, Clayton, NJ 08312 Property Records

Gloucester County and Clayton Borough property record for 197 E Howard St, Clayton, NJ 08312

Property Summary

Property TypeSingle Family Home
Details720 sqft · built 1952
Lot Size0.163 acres (7,096 sqft)
OwnerIndividual Name on Record
Last Sale$170,000 (Mar 2022)
Tax Bill$5,685 (2025)
Deeds & MortgagesApr 2024 Mortgage
Mar 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN01-01511-0000-00015

Property Details

APN / Parcel Number

Primary APN01-01511-0000-00015
Alternative APNs
  • 0100041F00020A
  • 010151100015

Interior

Stories1 Story
Building Area720 sqft Living Area
1st Floor Area720 sqft

Exterior

Year BuiltBuilt 1952
Effective Year BuiltEffective 1952
Lot Area7,096 sqft (0.163 acres)
Lot Dimensions141 ft deep x 50 ft wide

Location & Zoning

Old Parcel Number0100041F00020A
Street Address197 E HOWARD ST
CityCLAYTON
StateNJ
Zip08312-1237
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-B
Legal SubdivisionCLAYTON BOROUGH
Legal Block1511
Legal Lot Number15
JurisdictionGLOUCESTER NJ
Township / Civil DivisionCLAYTON
Census Block Group2
Census Block2009
Census Tract501501

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 RecordIndividual Name on Record
Mailing Address197 E HOWARD ST, CLAYTON, NJ 08312-1237
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 30, 2024Deed of Trust, Mortgage · FHA Mortgage
DEPARTMENT OF HOUSING & URBAN DEV
Mar 8, 2022Deed, Transfer · Conventional Mortgage
MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 8, 2022 · Amount on Record
Deed SaleMar 8, 2022 · Amount on Record
Prior SaleNov 25, 1998 · Amount on Record
Deed Document Number202210978
Deed Book / Page6640 / 308
Record UpdatedOct 29, 2026

April 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGLOUCESTER NJ
Property Address197 E HOWARD ST, CLAYTON, NJ 08312-1237
Transaction TypeMortgage
Record UpdatedMay 16, 2024
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address197 E HOWARD ST, CLAYTON, NJ 08312-1237

Mortgage

Document Number0000012175
DateApr 30, 2024
Book Page18339/96
Instrument12175
Lender
NameDEPARTMENT OF HOUSING & URBAN DEV
TypeGovernment Agency
AddressWASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term334 Months
DueFeb 1, 2052

March 2022: Deed, Transfer

Document TypeDeed
JurisdictionGLOUCESTER NJ
Recording DateMar 8, 2022
Property Address197 E HOWARD ST, CLAYTON, NJ 08312-1237
Document Number0000010978
Book / Page6640 / 308
Instrument DateJan 20, 2022
Instrument10978
Transaction TypeTransfer
Record UpdatedAug 18, 2022
Title CompanyDREAM HOME ABSTRACT LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$170.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address197 E HOWARD ST, 197, CLAYTON, NJ 08312-1237

Transferred To (Grantee/Buyer)

NameVerified Name
Address197 E HOWARD ST, CLAYTON, NJ 08312-1237

Mortgage

Document Number0000010979
DateMar 8, 2022
Instrument10979
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term479 Months
DueFeb 1, 2062

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew Jersey
CountyGloucester County
MunicipalityClayton Borough
Unified School DistrictClayton Borough School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$276,000 (+24.72%) Land $53,200 Building $222,800$276,000 (+24.72%) Land $53,200 Building $222,800
2025$5,685.00 (+8.76%) Veteran's exemption$221,300 (+109.96%) Land $53,200 Building $168,100$221,300 (+109.96%) Land $53,200 Building $168,100
2024$5,227.00 (+24.1%)
2023$105,400 Land $28,200 Building $77,200$105,400 Land $28,200 Building $77,200
2022$4,212.00

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 66% of the US · above 52% of New Jersey
Wildfire Likelihood0.03% annual chance
ExposureDirect
burnable vegetation

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 SystemBOROUGH OF CLAYTON
serves 8,179 people · EPA ID NJ0801001
Water SourceGroundwater
Last State InspectionDec 2024
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 211 locations within half a mile, as of December 31, 2025

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

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