20 John St, Cranford, NJ 07016 Property Records

Union County and Cranford Township property record for 20 John St, Cranford, NJ 07016

Property Summary

Property Type	Single Family Home
Details	1,564 sqft · built 1956
Lot Size	0.215 acres (9,344 sqft)
Owner	Individual Name on Record
Last Sale	$775,000 (May 2026)
Tax Bill	$11,532 (2025)
Deeds & Mortgages	Sep 2021 Mortgage May 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-00316-0000-00023`

Property Details

APN / Parcel Number

Primary APN	`03-00316-0000-00023`
Alternative APNs	`030031600023` `3553006`

Interior

Stories	1 Story
Building Area	1,564 sqft Living Area

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Brick
Construction Type	Brick
Lot Area	9,344 sqft (0.215 acres)
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	3553006
Street Address	20 JOHN ST
City	CRANFORD
State	NJ
Zip	07016-2429
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	316
Legal Lot Number	23
Jurisdiction	UNION NJ
Township / Civil Division	CRANFORD
Census Block Group	1
Census Block	1016
Census Tract	37200

Owner

Source: Union County and Cranford Township records, as of July 8, 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	20 JOHN ST, CRANFORD, NJ 07016-2429
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
May 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE
May 27, 2026	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
May 27, 2026	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Apr 16, 2020	Grant Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2026 · Amount on Record
Deed Sale	May 27, 2026 · Amount on Record
Prior Sale	Apr 16, 2020 · Amount on Record
Deed Document Number	202655082
Deed Book / Page	6619 / 389
Prior Transfer Date	Apr 16, 2015
Prior Transfer Doc	0060570436
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	20 JOHN ST, CRANFORD, NJ 07016-2429
Transaction Type	Mortgage
Record Updated	Jun 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0150532415
Date	Sep 9, 2021
Book Page	15053/2415
Instrument	20547

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Recording Date	May 27, 2026
Property Address	20 JOHN ST, CRANFORD, NJ 07016-2429
Document Number	0000092880
Book / Page	15806 / 26
Instrument Date	May 22, 2026
Instrument	202692880
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 LINCOLN AVE E, CRANFORD, NJ 07016-3168

Mortgage

Document Number	0000092880,
Date	May 27, 2026
Book Page	15806/26
Instrument	202692880

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	May 27, 2026
Property Address	20 JOHN ST, CRANFORD, NJ 07016-2429
Document Number	0000055082
Book / Page	6619 / 389
Instrument Date	May 18, 2026
Instrument	202655082
Transaction Type	Transfer
Record Updated	Jun 10, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$78,275.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 JOHN ST, CRANFORD, NJ 07016-2429

Mortgage

Document Number	0000092880,
Date	May 27, 2026
Instrument	202692880

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	May 27, 2026
Property Address	20 JOHN ST, CRANFORD, NJ 07016-2429
Document Number	0066190389
Book / Page	6619 / 389
Instrument Date	May 18, 2026
Instrument	202655082
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$78,275.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 JOHN ST, CRANFORD, NJ 07016-2429

Mortgage

Document Number	0000092880,
Date	May 27, 2026
Instrument	202692880

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	UNION NJ
Recording Date	Apr 16, 2020
Property Address	20 JOHN ST, CRANFORD, NJ 07016-2429
Document Number	0063660039
Book / Page	006366 / 000039
Instrument Date	Apr 8, 2020
Instrument	323799
Transaction Type	Transfer
Record Updated	Jun 17, 2020
Title Company	ATTORNEYS' TITLE SERVICES LLC, ATTORNEY TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$521.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 JOHN ST CRANFORD NJ 070162429, CRANFORD, NJ 07016-2429

Mortgage

Document Number	146790084
Date	Apr 16, 2020
Book Page	014679/000084
Instrument	689999

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 15, 2050

Tax Assessment & Valuation

Source: Union County and Cranford Township assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Union County
County Subdivision	Cranford Township
Unified School District	Cranford Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$159,100 (-) Land $70,400 Building $88,700	$159,100 (-) Land $70,400 Building $88,700
2025	$11,532.00 (+6.93%)	$159,100 (-) Land $70,400 Building $88,700	$159,100 (-) Land $70,400 Building $88,700
2024	$10,785.00 (+2.53%)
2023		$159,100 Land $70,400 Building $88,700	$159,100 Land $70,400 Building $88,700
2022	$10,519.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	6 (1978–2021)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Hurricane Irene, Aug 2011 · 3 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	Not rated no burnable land within 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 294 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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