Gloucester County and Clayton Borough property record for 232 N Main St, Clayton, NJ 08312
| Property Type | Single Family Home |
|---|---|
| Details | 1,702 sqft · built 1900 |
| Lot Size | 0.18 acres (7,845 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $141,000 (Oct 2018) |
| Tax Bill | $7,255 (2025) |
| Deeds & Mortgages | Jun 2023 Second Mortgage Oct 2018 Sale & Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-01303-0000-00007 |
| Primary APN | 01-01303-0000-00007 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,702 sqft Living Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame |
| Lot Area | 7,845 sqft (0.18 acres) |
| Lot Dimensions | 106 ft deep x 74 ft wide |
| Old Parcel Number | 0100064000000015 |
|---|---|
| Street Address | 232 N MAIN ST |
| City | CLAYTON |
| State | NJ |
| Zip | 08312-1624 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-C |
| Legal Block | 1303 |
| Legal Lot Number | 7 |
| Jurisdiction | GLOUCESTER NJ |
| Township / Civil Division | CLAYTON |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 501502 |
232 N Main St is owned and occupied by two individuals who bought it in October 2018.
Source: Gloucester County and Clayton Borough records, as of July 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 232 N MAIN ST, CLAYTON, NJ 08312-1624 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jun 12, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST NATIONAL BANK |
| Oct 9, 2018 | Deed, Transfer · Stand-Alone Second Mortgage NEW JERSEY HOUSING & MORTGAGE FIN AGENCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 9, 2018 · Amount on File |
| Deed Sale | Oct 9, 2018 · Amount on File |
| Prior Sale | May 18, 2010 · Amount on File |
| Deed Document Number | 201837783 |
| Deed Book / Page | 5959 / 242 |
| Prior Transfer Date | Jun 25, 2008 |
| Prior Transfer Doc | 0000032037 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER NJ |
| Property Address | 232 N MAIN ST, CLAYTON, NJ 08312-1624 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000016761 |
|---|---|
| Date | Jun 12, 2023 |
| Book Page | 18015/59 |
| Instrument | 16761 |
| Name | FIRST NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | ELMER, NJ 08318 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | GLOUCESTER NJ |
| Recording Date | Oct 9, 2018 |
| Property Address | 232 N MAIN ST, CLAYTON, NJ 08312-1624 |
| Document Number | 0000037783 |
| Book / Page | 05959 / 242 |
| Instrument Date | Jun 12, 2018 |
| Instrument | 37783 |
| Transaction Type | Transfer |
| Record Updated | Nov 5, 2021 |
| Title Company | COMMONWEALTH LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $493.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 232 N MAIN ST, 232, CLAYTON, NJ 08312-1624 |
| Name | Verified Name |
|---|---|
| Address | 232 N MAIN ST, CLAYTON, NJ 08312-1624 |
| Document Number | 0000037785 |
|---|---|
| Date | Oct 9, 2018 |
| Book Page | 15587/047 |
| Instrument | 37785 |
| Name | NEW JERSEY HOUSING & MORTGAGE FIN AGENCY |
|---|---|
| Type | Government Agency |
| Address | 18550 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 33 Months |
| Due | Jul 1, 2021 |
The 2025 property tax bill for 232 N Main St was $7,255, 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 | $293,700 (+4%) Land $70,900 Building $222,800 | $293,700 (+4%) Land $70,900 Building $222,800 | |
| 2025 | $7,255.00 (+3.81%) | $282,400 Land $70,900 Building $211,500 | $282,400 Land $70,900 Building $211,500 |
| 2024 | $6,989.00 | ||
| 2023 | $143,100 Land $33,000 Building $110,100 | $143,100 Land $33,000 Building $110,100 | |
| 2022 | $5,719.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 232 N Main 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 232 N Main St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.02% 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 429 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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