206 E Cliff St, Somerville, NJ 08876 Property Records

Somerset County and Somerville Borough property record for 206 E Cliff St, Somerville, NJ 08876

Property Summary

Property Type	Single Family Home
Details	1,494 sqft · built 1925
Lot Size	0.182 acres (7,919 sqft)
Owner	2 Individual Names on Record
Last Sale	$100 (Aug 2013)
Tax Bill	$12,620 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-00045-0000-00024`

Property Details

APN / Parcel Number

Primary APN	`18-00045-0000-00024`
Alternative APN	`180004500024`

Interior

Stories	2 Stories
Building Area	1,494 sqft Living Area

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Construction Type	Frame
Lot Area	7,919 sqft (0.182 acres)
Lot Dimensions	198 ft deep x 40 ft wide

Location & Zoning

Street Address	206 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	24
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	206 E CLIFF ST, SOMERVILLE, NJ 08876-2415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2024	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Feb 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Sep 6, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2013 · Amount on Record
Deed Sale	Aug 28, 2013 · Amount on Record
Prior Sale	Aug 18, 2005 · Amount on Record
Deed Book / Page	6665 / 1290
Last Transfer Date	Aug 26, 2019
Transfer Doc	0000033188
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	206 E CLIFF ST, SOMERVILLE, NJ 08876-2415
Transaction Type	Mortgage
Record Updated	May 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009503
Date	Apr 22, 2024
Book Page	7553/3625
Instrument	2024009503

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	206 E CLIFF ST, SOMERVILLE, NJ 08876-2415
Transaction Type	Mortgage
Record Updated	Feb 11, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004693
Date	Feb 1, 2022
Book Page	7421/1827
Instrument	2022004693

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2037

September 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SOMERSET NJ
Recording Date	Sep 6, 2019
Property Address	206 E CLIFF ST, SOMERVILLE, NJ 08876-2415
Document Number	0000033188
Book / Page	7148 / 3001
Instrument Date	Aug 26, 2019
Instrument	2019033188
Transaction Type	Transfer
Record Updated	Nov 5, 2021
Title Company	STERLING TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 CLIFF ST, SOMERVILLE, NJ

Mortgage

Document Number	0000033189
Date	Sep 6, 2019
Instrument	2019033189

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2034

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		$309,400 (-) Land $138,200 Building $171,200	$309,400 (-) Land $138,200 Building $171,200
2025	$12,620.00 (+3.19%)	$309,400 (-) Land $138,200 Building $171,200	$309,400 (-) Land $138,200 Building $171,200
2024	$12,230.00 (+5.1%)
2023		$309,400 Land $138,200 Building $171,200	$309,400 Land $138,200 Building $171,200
2022	$11,636.00

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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