Gloucester County and Clayton Borough property record for 224 E Howard St, Clayton, NJ 08312
| Property Type | Single Family Home |
|---|---|
| Details | 1,272 sqft · built 1952 |
| Lot Size | 0.217 acres (9,431 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,344 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit May 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-01502-0000-00009 |
| Primary APN | 01-01502-0000-00009 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,272 sqft Living Area |
| 1st Floor Area | 1,272 sqft |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Lot Area | 9,431 sqft (0.217 acres) |
| Lot Dimensions | 150 ft deep x 62.5 ft wide |
| Old Parcel Number | 0100041H00003 |
|---|---|
| Street Address | 224 E HOWARD ST |
| City | CLAYTON |
| State | NJ |
| Zip | 08312-1240 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-B |
| Legal Block | 1502 |
| Legal Lot Number | 9 |
| Jurisdiction | GLOUCESTER NJ |
| Township / Civil Division | CLAYTON |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 501501 |
224 E Howard St is owned and occupied by an individual who acquired it in June 1997.
Source: Gloucester County and Clayton Borough records, as of July 6, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 224 E HOWARD ST, CLAYTON, NJ 08312-1240 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 26, 2026 | Deed of Trust, Mortgage · Line of Credit GOODLEAP LLC |
| May 3, 2024 | Deed of Trust, Mortgage · Line of Credit NEWFIELD NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jun 26, 1997 |
| Transfer Doc | 0000018214 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER NJ |
| Recording Date | Jun 26, 2026 |
| Property Address | 224 E HOWARD ST, CLAYTON, NJ 08312-1240 |
| Document Number | 0000020419 |
| Book / Page | 19307 / 233 |
| Instrument Date | Jun 19, 2026 |
| Instrument | 202620419 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 224 E HOWARD ST, CLAYTON, NJ 08312-1240 |
| Document Number | 0000020419, |
|---|---|
| Date | Jun 26, 2026 |
| Book Page | 19307/233 |
| Instrument | 202620419 |
| Name | GOODLEAP LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 15, 2046 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER NJ |
| Property Address | 224 E HOWARD ST, CLAYTON, NJ 08312-1240 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000012746 |
|---|---|
| Date | May 3, 2024 |
| Book Page | 18345/188 |
| Instrument | 12746 |
| Name | NEWFIELD NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | NEWFIELD, NJ 08344 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 224 E Howard St was $5,344 with a veteran's exemption, up 9.1% from the year before.
Source: Gloucester County and Clayton Borough assessment roll, as of July 6, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Gloucester County |
| Municipality | Clayton Borough |
| Unified School District | Clayton Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $239,000 (+14.9%) Land $56,000 Building $183,000 | $239,000 (+14.9%) Land $56,000 Building $183,000 | |
| 2025 | $5,344.00 (+9.11%) Veteran's exemption | $208,000 Land $56,000 Building $152,000 | $208,000 Land $56,000 Building $152,000 |
| 2024 | $4,898.00 | ||
| 2023 | $124,800 Land $30,800 Building $94,000 | $124,800 Land $30,800 Building $94,000 | |
| 2022 | $4,738.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 224 E Howard St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 16, 2016
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 224 E Howard St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 52% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 | BOROUGH OF CLAYTON serves 8,179 people · EPA ID NJ0801001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 211 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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