Union County and Cranford Township property record for 3 Oak Ln, Cranford, NJ 07016
| Property Type | Single Family Home |
|---|---|
| Details | 1,652 sqft · built 1929 |
| Lot Size | 0.082 acres (3,576 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $60,000 (May 1981) |
| Tax Bill | $11,720 (2025) |
| Deeds & Mortgages | Dec 2025 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-00233-0000-00040 |
| Primary APN | 03-00233-0000-00040 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,652 sqft Living Area |
| Year Built | Built 1929 |
|---|---|
| Effective Year Built | Effective 1929 |
| Construction Type | Frame |
| Lot Area | 3,576 sqft (0.082 acres) |
| Parking Spaces | 1 Parking Space |
| Account Number | 2246002 |
|---|---|
| Street Address | 3 OAK LN |
| City | CRANFORD |
| State | NJ |
| Zip | 07016-2037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | OAK LANE 03 |
| Legal Block | 233 |
| Legal Lot Number | 40 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | CRANFORD |
| Census Block Group | 5 |
| Census Block | 5010 |
| Census Tract | 37000 |
3 Oak Ln is owned and occupied by two individuals who bought it in May 1981.
Source: Union County and Cranford Township records, as of July 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3 OAK LN, CRANFORD, NJ 07016-2037 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 1981 · Amount on File |
| Deed Sale | May 1, 1981 · Amount on File |
| Deed Book / Page | 3254 / 903 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 3 OAK LN, CRANFORD, NJ 07016-2037 |
| Transaction Type | Mortgage |
| Record Updated | Dec 26, 2025 |
| Title Company | PRO NATIONAL TITLE AGENCY, PRO NATIONAL TITLE AGENCY LL |
| Name | Verified Name |
|---|---|
| Address | 3 OAK LN, CRANFORD, NJ 07016-2037 |
| Document Number | 0157312742 |
|---|---|
| Date | Dec 9, 2025 |
| Book Page | 15731/2742 |
| Instrument | 86150 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3 Oak Ln was $11,720, up 6.9% from the year before.
Source: Union County and Cranford Township assessment roll, as of July 8, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Union County |
| County Subdivision | Cranford Township |
| Unified School District | Cranford Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $161,700 (-) Land $71,500 Building $90,200 | $161,700 (-) Land $71,500 Building $90,200 | |
| 2025 | $11,720.00 (+6.92%) | $161,700 Land $71,500 Building $90,200 | $161,700 Land $71,500 Building $90,200 |
| 2024 | $10,961.00 | ||
| 2023 | $161,700 Land $71,500 Building $90,200 | $161,700 Land $71,500 Building $90,200 | |
| 2022 | $10,691.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Oak Ln 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 |
| Flood Insurance Cost | Premium on File median of 85 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 85 in force |
| Nearby Flood Claims | 230 (1978–2023) |
| Claims Outside the SFHA | 26 of 230 |
| Most Recent Claim | May 2023 · rainfall accumulation |
| 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.
The area around 3 Oak Ln has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 - RARITAN private · serves 615,430 people · EPA ID NJ2004002 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 711 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile.
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