24 Harper Ter, Cedar Grove, NJ 07009 Property Records

Essex County and Cedar Grove Township property record for 24 Harper Ter, Cedar Grove, NJ 07009

Property Summary

Property Type	Single Family Home
Details	1,674 sqft · built 1927
Lot Size	0.129 acres (5,615 sqft)
Owner	2 Individual Names on Record
Last Sale	$800,000 (Sep 2023)
Tax Bill	$12,581 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Dec 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`04-00026-0000-00004`

Property Details

APN / Parcel Number

Primary APN	`04-00026-0000-00004`
Alternative APN	`040002600004`

Interior

Stories	2 Stories
Building Area	1,674 sqft Living Area

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Construction Type	Frame
Lot Area	5,615 sqft (0.129 acres)
Lot Dimensions	117 ft deep x 48 ft wide
Garage Type	Detached

Location & Zoning

Old Parcel Number	040002600004
Street Address	24 HARPER TER
City	CEDAR GROVE
State	NJ
Zip	07009-2223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	48X117
Legal Subdivision	CEDAR GROVE
Legal Block	26
Legal Lot Number	4
Jurisdiction	ESSEX NJ
Township / Civil Division	CEDAR GROVE
Census Block Group	3
Census Block	3007
Census Tract	21400

Owner

Source: Essex County and Cedar Grove Township records, as of July 2, 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	24 HARPER TER, CEDAR GROVE, NJ 07009-2223
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2023	Deed, Transfer · Conventional Mortgage TD BANK NA
Dec 8, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Feb 11, 2020	Grant Deed, Transfer · VA Mortgage CALIBER HM LOANS
Jan 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage JLB5 INVESTMENTS LLC
Jan 30, 2019	Deed of Trust, Mortgage · Conventional with PMI PLANET MGMT GRP LLC
Oct 15, 2018	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2023 · Amount on Record
Deed Sale	Sep 6, 2023 · Amount on Record
Prior Sale	Feb 11, 2020 · Amount on Record
Deed Document Number	202353596
Record Updated	Oct 29, 2026

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Sep 6, 2023
Property Address	24 HARPER TER, CEDAR GROVE, NJ 07009-2223
Document Number	0000053596
Instrument Date	Aug 5, 2023
Instrument	2023053596
Transaction Type	Transfer
Record Updated	Oct 13, 2023
Title Company	FOUNDATION TITLE, FOUNDATION TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 HARPER TER, CEDAR GROVE, NJ 07009-2223

Mortgage

Document Number	0000053597
Date	Sep 6, 2023
Instrument	2023053597

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Sep 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.8%
Margin	3
Max Rate	10.8%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	24 HARPER TER, CEDAR GROVE, NJ 07009-2223
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000144830
Date	Dec 8, 2021
Instrument	2021144830

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Sep 1, 2051

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	Feb 11, 2020
Property Address	24 HARPER TER, CEDAR GROVE, NJ 07009-2223
Document Number	0000016646
Instrument Date	Jan 29, 2020
Instrument	16646
Transaction Type	Transfer
Record Updated	Mar 5, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$499.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	24 HARPER TER CEDAR GROVE NJ 070092223, CEDAR GROVE, NJ 07009-2223

Mortgage

Document Number	16647
Date	Feb 11, 2020
Instrument	16647

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 10, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	24 HARPER TER, CEDAR GROVE, NJ 07009-2223
Document Number	0000000904
Instrument Date	Jan 3, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	30 WAKEFIELD PL CALDWELL NJ 070064918, CALDWELL, NJ 07006-4918

Mortgage

Document Number	0000000904
Date	Jan 3, 2020
Instrument	904

Lender

Name	JLB5 INVESTMENTS LLC
Address	275 E MAIN ST, SOMERVILLE, NJ 08876-3008

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	5%

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	24 HARPER TER, CEDAR GROVE, NJ 07009-2223
Document Number	0000010886
Instrument Date	Jan 30, 2019
Transaction Type	Mortgage
Record Updated	Oct 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	30 WAKEFIELD PL CALDWELL NJ 070064918, CALDWELL, NJ 07006-4918

Mortgage

Document Number	0000010886
Date	Feb 6, 2019
Instrument	10886

Lender

Name	PLANET MGMT GRP LLC
Address	105 MAXESS RD # 107N, MELVILLE, NY 11747-3859

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	Oct 15, 2018
Property Address	24 HARPER TER, CEDAR GROVE, NJ 07009-2223
Document Number	0000089046
Instrument Date	Oct 3, 2018
Instrument	89046
Transaction Type	Transfer
Record Updated	Feb 4, 2019

Transaction

Amount	Amount Recorded
Tax	$28.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	30 WAKEFIELD PL CALDWELL NJ 070064918, CALDWELL, NJ 07006-4918

Tax Assessment & Valuation

Source: Essex County and Cedar Grove Township assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Essex County
County Subdivision	Cedar Grove Township
Unified School District	Cedar Grove Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$691,500 (+47.69%) Land $356,100 Building $335,400	$691,500 (+47.69%) Land $356,100 Building $335,400
2025	$12,581.00 (+2.8%)	$468,200 (+5.12%) Land $236,300 Building $231,900	$468,200 (+5.12%) Land $236,300 Building $231,900
2024	$12,238.00 (+7.16%)
2023		$445,400 (-) Land $236,300 Building $209,100	$445,400 (-) Land $236,300 Building $209,100
2022	$11,420.00 (+1.23%)	$445,400 Land $236,300 Building $209,100	$445,400 Land $236,300 Building $209,100
2021	$11,281.00

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 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
Nearby Flood Policies	1 in force

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 98% of the US · lower than 94% 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	CEDAR GROVE WATER DEPT serves 12,900 people · EPA ID NJ0704001
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2024
Monitoring and Reporting	3 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 474 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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