Gloucester County and Clayton Borough property record for 225 E Howard St, Clayton, NJ 08312
| Property Type | Single Family Home |
|---|---|
| Details | 1,044 sqft · built 1952 |
| Lot Size | 0.201 acres (8,773 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,295 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Jan 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-01503-0000-00002 |
| Primary APN | 01-01503-0000-00002 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,044 sqft Living Area |
| 1st Floor Area | 1,044 sqft |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Exterior Material | Asbestos |
| Lot Area | 8,773 sqft (0.201 acres) |
| Lot Dimensions | 150 ft deep x 58.5 ft wide |
| Old Parcel Number | 0100041J00010 |
|---|---|
| Street Address | 225 E HOWARD ST |
| City | CLAYTON |
| State | NJ |
| Zip | 08312-1239 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-B |
| Legal Subdivision | PETERSON FARM |
| Legal Block | 1503 |
| Legal Lot Number | 2 |
| Jurisdiction | GLOUCESTER NJ |
| Township / Civil Division | CLAYTON |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 501501 |
225 E Howard St is owned and occupied by an individual who acquired it in December 2025.
Source: Gloucester County and Clayton Borough records, as of July 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 225 E HOWARD ST, CLAYTON, NJ 08312-1239 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 1, 2025 | Intrafamily Transfer, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 15, 2019 | Deed, Transfer · FHA Mortgage GREENTREE MORTGAGE COMPANY LP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 1, 2025 |
| Deed Sale | Dec 1, 2025 |
| Prior Sale | Jan 15, 2019 · Amount on File |
| Deed Document Number | 202539084 |
| Deed Book / Page | 7273 / 6 |
| Prior Transfer Date | Aug 8, 2025 |
| Prior Transfer Doc | 0000039084 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | GLOUCESTER NJ |
| Recording Date | Dec 1, 2025 |
| Property Address | 225 E HOWARD ST, CLAYTON, NJ 08312-1239 |
| Document Number | 0000039084 |
| Book / Page | 7273 / 6 |
| Instrument Date | Aug 8, 2025 |
| Instrument | 39084 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | CLIENT FIRST TITLE INC, CLIENTFIRST TITLE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 225 E HOWARD ST, CLAYTON, NJ 08312-1239 |
| Name | Verified Name |
|---|---|
| Address | 225 E HOWARD ST, CLAYTON, NJ 08312-1239 |
| Document Number | 0000039085 |
|---|---|
| Date | Dec 1, 2025 |
| Instrument | 39085 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Sep 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Type Change Date | Jan 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 3.87% |
| Max Rate At Change | 5.87% |
| Index | Prime Rate |
| Max Rate | 5% |
| Document Type | Deed |
|---|---|
| Jurisdiction | GLOUCESTER NJ |
| Recording Date | Jan 15, 2019 |
| Property Address | 225 E HOWARD ST, CLAYTON, NJ 08312-1239 |
| Document Number | 0000001694 |
| Book / Page | 06017 / 225 |
| Instrument Date | Dec 26, 2018 |
| Instrument | 01694 |
| Transaction Type | Transfer |
| Record Updated | Nov 5, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $409.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 149 E ACADEMY ST, 149, CLAYTON, NJ 08312-1503 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 225 E HOWARD ST, CLAYTON, NJ 08312-1239 |
| Document Number | 0000001695 |
|---|---|
| Date | Jan 15, 2019 |
| Book Page | 15680/186 |
| Instrument | 01695 |
| Name | GREENTREE MORTGAGE COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | GIBBSBORO, NJ 08026 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2049 |
The 2025 property tax bill for 225 E Howard St was $5,295, up 3.8% 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 | $230,400 (+11.79%) Land $55,100 Building $175,300 | $230,400 (+11.79%) Land $55,100 Building $175,300 | |
| 2025 | $5,295.00 (+3.82%) | $206,100 Land $55,100 Building $151,000 | $206,100 Land $55,100 Building $151,000 |
| 2024 | $5,100.00 | ||
| 2023 | $104,500 Land $30,100 Building $74,400 | $104,500 Land $30,100 Building $74,400 | |
| 2022 | $4,176.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 225 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 225 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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