28 Harper Ter, Cedar Grove, NJ 07009 Property Records

Essex County and Cedar Grove Township property record for 28 Harper Ter, Cedar Grove, NJ 07009

Property Summary

Property Type	Single Family Home
Details	1,326 sqft · built 1927
Lot Size	0.133 acres (5,798 sqft)
Owner	Company Name on File
Last Sale	$730,000 (Jun 2026)
Tax Bill	$11,111 (2025)
Deeds & Mortgages	Jun 2026 Sale Jul 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-00026-0000-00005`

Property Details

APN / Parcel Number

Primary APN	`04-00026-0000-00005`
Alternative APN	`040002600005`

Interior

Stories	1 Story
Building Area	1,326 sqft Living Area

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Exterior Material	Stucco
Lot Area	5,798 sqft (0.133 acres)
Lot Dimensions	116 ft deep x 50 ft wide
Garage Type	Detached

Location & Zoning

Old Parcel Number	040002600005
Street Address	28 HARPER TER
City	CEDAR GROVE
State	NJ
Zip	07009-2223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	50X116
Legal Block	26
Legal Lot Number	5
Jurisdiction	ESSEX NJ
Township / Civil Division	CEDAR GROVE
Census Block Group	3
Census Block	3007
Census Tract	21400

Owner

28 Harper Ter is owned by a company that bought it in June 2026.

Source: Essex County and Cedar Grove Township records, as of July 14, 2026

Owner of Record	Company Name on File
Mailing Address	28 HARPER TER, CEDAR GROVE, NJ 07009-2223
Owner Type	Company
Vesting	Limited Liability Partnership

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Deed, Transfer REALSAFE TITLE LLC, REALSAFE TITLE
Jul 24, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Mar 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage JERSEY MORTGAGE CO
Jan 25, 2018	Grant Deed, Transfer · FHA Mortgage JERSEY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2026 · Amount on File
Deed Sale	Jun 26, 2026 · Amount on File
Prior Sale	Jan 25, 2018 · Amount on File
Deed Document Number	202642267
Prior Transfer Date	Jun 3, 2014
Prior Transfer Doc	1250004894
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Jun 26, 2026
Property Address	28 HARPER TER, CEDAR GROVE, NJ 07009-2223
Document Number	0000042267
Instrument Date	May 29, 2026
Instrument	202642267
Transaction Type	Transfer
Record Updated	Jul 14, 2026
Title Company	REALSAFE TITLE LLC, REALSAFE TITLE

Transaction

Amount	Amount on Record
Tax	$73,730.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	28 HARPER TER, CEDAR GROVE, NJ 07009-2223

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	28 HARPER TER, CEDAR GROVE, NJ 07009-2223
Transaction Type	Mortgage
Record Updated	Aug 23, 2023
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043773
Date	Jul 24, 2023
Instrument	2023043773

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 8, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	28 HARPER TER, CEDAR GROVE, NJ 07009-2223
Transaction Type	Mortgage
Record Updated	Apr 9, 2021
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021030505
Date	Mar 12, 2021
Instrument	2021030505

Lender

Name	JERSEY MORTGAGE CO
Type	Mortgage Company
Address	CRANFORD, NJ 07016

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	Jan 25, 2018
Property Address	28 HARPER TER, CEDAR GROVE, NJ 07009-2223
Document Number	0000007387
Instrument Date	Jan 19, 2018
Instrument	7387
Transaction Type	Transfer
Record Updated	Apr 3, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$465.00
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	28 HARPER TER CEDAR GROVE NJ 070092223, CEDAR GROVE, NJ 07009-2223

Mortgage

Document Number	7388
Date	Jan 25, 2018
Instrument	7388

Lender

Name	JERSEY MTG
Type	Mortgage Company
Address	CRANFORD, NJ 07016

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 24, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 28 Harper Ter was $11,111, up 2.8% from the year before.

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		$637,700 (+54.22%) Land $359,000 Building $278,700	$637,700 (+54.22%) Land $359,000 Building $278,700
2025	$11,111.00 (+2.8%)	$413,500 Land $237,200 Building $176,300	$413,500 Land $237,200 Building $176,300
2024	$10,808.00
2023		$413,500 Land $237,200 Building $176,300	$413,500 Land $237,200 Building $176,300
2022	$10,602.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 28 Harper Ter in Zone X, an area of minimal flood risk.

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

Wildfire risk around 28 Harper Ter 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 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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