Essex County and West Orange Township property record for 270 Saint Cloud Ave, West Orange, NJ 07052
| Property Type | Single Family Home |
|---|---|
| Details | 1,272 sqft · built 1950 |
| Lot Size | 0.099 acres (4,326 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $348,000 (Oct 2014) |
| Tax Bill | $14,246 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Nov 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2200158O00292A |
| Primary APN | 2200158O00292A |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,272 sqft Living Area |
| 1st Floor Area | 1,272 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Construction Type | Frame |
| Lot Area | 4,326 sqft (0.099 acres) |
| Lot Dimensions | 103 ft deep x 42 ft wide |
| Parking Spaces | 1 Parking Space |
| Old Parcel Number | 2200158O00292A |
|---|---|
| Street Address | 270 SAINT CLOUD AVE |
| City | WEST ORANGE |
| State | NJ |
| Zip | 07052-2521 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | 42X103-11X103TR |
| Legal Subdivision | MT CABLES TR |
| Legal Block | 158 |
| Legal Lot Number | 292.1 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | WEST ORANGE |
| Census Block Group | 6 |
| Census Block | 6013 |
| Census Tract | 18000 |
270 Saint Cloud Ave is owned and occupied by two individuals who bought it in October 2014.
Source: Essex County and West Orange Township records, as of July 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 270 SAINT CLOUD AVE, WEST ORANGE, NJ 07052-2521 |
| 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 |
|---|---|
| Sep 29, 2025 | Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE |
| Nov 22, 2020 | Deed of Trust, Mortgage · Conventional with PMI STEARNS LNDG LLC |
| Mar 4, 2020 | Deed of Trust, Mortgage · Conventional with PMI UNITED WHOLESALE MTG |
| Jul 11, 2017 | Deed of Trust, Mortgage · Line of Credit TCF NAT'L BK |
| May 22, 2017 | Deed of Trust, Mortgage FINANCE AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 22, 2014 · Amount on File |
| Deed Sale | Oct 22, 2014 · Amount on File |
| Prior Sale | Sep 29, 2014 · Amount on File |
| Deed Document Number | 201414076336 |
| Deed Book / Page | 12521 / 1198 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 270 SAINT CLOUD AVE, WEST ORANGE, NJ 07052-2521 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2025 |
| Title Company | NEW DAWN TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000061386 |
|---|---|
| Date | Sep 29, 2025 |
| Instrument | 2025061386 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 270 SAINT CLOUD AVE, WEST ORANGE, NJ 07052-2521 |
| Document Number | 0000118696 |
| Instrument Date | Nov 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2020 |
| Title Company | NEW DAWN TITLE AGENCY LLC, NEW DAWN TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 270 SAINT CLOUD AVE WEST ORANGE NJ 070522521, WEST ORANGE, NJ 07052-2521 |
| Document Number | 0000118696 |
|---|---|
| Date | Nov 30, 2020 |
| Instrument | 118696 |
| Name | STEARNS LNDG LLC |
|---|---|
| Address | LEWISVILLE, TX 75057 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 29, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 270 SAINT CLOUD AVE, WEST ORANGE, NJ 07052-2521 |
| Document Number | 0000031229 |
| Instrument Date | Mar 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2020 |
| Title Company | ALTA TITLE INSURANCE COMMITMENT, ALTA TITLE INS COMMITMENT |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 270 SAINT CLOUD AVE WEST ORANGE NJ 070522521, WEST ORANGE, NJ 07052-2521 |
| Document Number | 0000031229 |
|---|---|
| Date | Mar 20, 2020 |
| Instrument | 31229 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 19, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 270 SAINT CLOUD AVE, WEST ORANGE, NJ 07052-2521 |
| Document Number | 0000079714 |
| Instrument Date | Jul 11, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 270 SAINT CLOUD AVE WEST ORANGE NJ 070522521, WEST ORANGE, NJ 07052-2521 |
| Document Number | 0000079714 |
|---|---|
| Date | Sep 8, 2017 |
| Instrument | 79714 |
| Name | TCF NAT'L BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 7, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 270 SAINT CLOUD AVE, WEST ORANGE, NJ 07052-2521 |
| Document Number | 0000080505 |
| Instrument Date | May 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 270 SAINT CLOUD AVE WEST ORANGE NJ 070522521, WEST ORANGE, NJ 07052-2521 |
| Document Number | 0000080505 |
|---|---|
| Date | Sep 12, 2017 |
| Instrument | 80505 |
| Name | FINANCE AMERICA |
|---|---|
| Type | Funding / Finance Company |
| Address | HORSHAM, PA 19044 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 11, 2047 |
The 2025 property tax bill for 270 Saint Cloud Ave was $14,246, up 33.1% from the year before.
Source: Essex County and West Orange Township assessment roll, as of July 2, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Essex County |
| County Subdivision | West Orange Township |
| Unified School District | West Orange Town School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $542,300 (-) Land $269,700 Building $272,600 | $542,300 (-) Land $269,700 Building $272,600 | |
| 2025 | $14,246.00 (+33.05%) | $542,300 Land $269,700 Building $272,600 | $542,300 Land $269,700 Building $272,600 |
| 2024 | $10,707.00 | ||
| 2023 | $228,600 Land $119,800 Building $108,800 | $228,600 Land $119,800 Building $108,800 | |
| 2022 | $10,142.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 270 Saint Cloud Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 27 (1978–2021) |
| Claims Outside the SFHA | 15 of 27 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
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 risk around 270 Saint Cloud Ave is low, with less than a 0.01% annual chance of 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 | 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 | NJ AMERICAN WATER - SHORT HILLS private · serves 217,230 people · EPA ID NJ0712001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2022 |
| Lead | 3 ppb (2026) 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 286 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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