Union County and Cranford Township property record for 3 Phillips St, Cranford, NJ 07016
| Property Type | Single Family Home |
|---|---|
| Details | 3,139 sqft · built 1927 |
| Lot Size | 0.115 acres (5,001 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $185,000 (Dec 1986) |
| Tax Bill | $15,453 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Mar 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-00593-0000-00002 |
| Primary APN | 03-00593-0000-00002 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,139 sqft Living Area |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Construction Type | Frame |
| Lot Area | 5,001 sqft (0.115 acres) |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 7144002 |
|---|---|
| Street Address | 3 PHILLIPS ST |
| City | CRANFORD |
| State | NJ |
| Zip | 07016-3457 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | TOWNSHIP/CRANFORD |
| Legal Block | 593 |
| Legal Lot Number | 2 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | CRANFORD |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 37300 |
Source: Union County and Cranford Township records, as of July 8, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3 PHILLIPS ST, CRANFORD, NJ 07016-3457 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 24, 2022 | Deed of Trust, Mortgage · Line of Credit PROVIDENT BANK |
| Mar 27, 2017 | Deed of Trust, Mortgage · Conventional Mortgage PRIVATE INDIVIDUAL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 31, 1986 · Amount on Record |
| Deed Sale | Dec 31, 1986 · Amount on Record |
| Deed Book / Page | 3489 / 588 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 3 PHILLIPS ST, CRANFORD, NJ 07016-3457 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3 PHILLIPS ST, CRANFORD, NJ 07016-3457 |
| Document Number | 0152382477 |
|---|---|
| Date | Jun 24, 2022 |
| Book Page | 15238/2477 |
| Instrument | 39274 |
| Name | PROVIDENT BANK |
|---|---|
| Type | Bank |
| Address | ISELIN, NJ 08830 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 3 PHILLIPS ST, CRANFORD, NJ 07016-3457 |
| Document Number | 0142522057 |
| Book / Page | 014252 / 002057 |
| Instrument Date | Mar 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2017 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3 PHILLIPS ST CRANFORD NJ 070163457, CRANFORD, NJ 07016-3457 |
| Document Number | 0142522057 |
|---|---|
| Date | Mar 30, 2017 |
| Book Page | 014252/002057 |
| Instrument | 638568 |
| Name | PRIVATE INDIVIDUAL |
|---|---|
| Type | Private Party |
| Address | WEST LONG BRANCH, NJ 07764 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Mar 29, 2022 |
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 | $213,200 (-) Land $74,400 Building $138,800 | $213,200 (-) Land $74,400 Building $138,800 | |
| 2025 | $15,453.00 (+6.93%) | $213,200 (-) Land $74,400 Building $138,800 | $213,200 (-) Land $74,400 Building $138,800 |
| 2024 | $14,452.00 (+2.53%) | ||
| 2023 | $213,200 Land $74,400 Building $138,800 | $213,200 Land $74,400 Building $138,800 | |
| 2022 | $14,096.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 3 (1982–1994) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jan 1994 · rainfall accumulation |
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.
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 | None beyond 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 349 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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