3 Rose Ter, Cedar Grove, NJ 07009 Property Records

Essex County and Cedar Grove Township property record for 3 Rose Ter, Cedar Grove, NJ 07009

Property Summary

Property Type	Single Family Home
Details	1,920 sqft · built 1950
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$427,000 (Jul 2005)
Tax Bill	$9,754 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-00064-0000-00017`

Property Details

APN / Parcel Number

Primary APN	`04-00064-0000-00017`
Alternative APN	`040006400017`

Interior

Stories	2 Stories
Building Area	1,920 sqft Living Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Frame
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Location & Zoning

Old Parcel Number	040006400017
Street Address	3 ROSE TER
City	CEDAR GROVE
State	NJ
Zip	07009-2126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	50X100
Legal Subdivision	SWEETWOOD HOMES
Legal Block	64
Legal Lot Number	17
Jurisdiction	ESSEX NJ
Township / Civil Division	CEDAR GROVE
Census Block Group	4
Census Block	4009
Census Tract	21400

Owner

3 Rose Ter is owned and occupied by two individuals who bought it in July 2005.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 ROSE TER, CEDAR GROVE, NJ 07009-2126
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2020	Deed of Trust, Mortgage HOME PT FIN'L
Oct 20, 2017	Deed of Trust, Mortgage HOME PT FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2005 · Amount on File
Deed Sale	Jul 25, 2005 · Amount on File
Prior Sale	Jun 4, 2003 · Amount on File
Deed Book / Page	6219 / 765
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	3 ROSE TER, CEDAR GROVE, NJ 07009-2126
Document Number	0000090720
Instrument Date	Sep 10, 2020
Transaction Type	Mortgage
Record Updated	Oct 5, 2020
Title Company	METRO TITLE AGENCY INC, METRO TITLE AGCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3 ROSE TER CEDAR GROVE NJ 070092126, CEDAR GROVE, NJ 07009-2126

Mortgage

Document Number	0000090720
Date	Sep 17, 2020
Instrument	90720

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Amount	Amount on Record
Term	180 Months
Due	Sep 16, 2035

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	3 ROSE TER, CEDAR GROVE, NJ 07009-2126
Document Number	0000095753
Instrument Date	Oct 20, 2017
Transaction Type	Mortgage
Record Updated	Feb 27, 2018
Title Company	GENUINE TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3 ROSE TER CEDAR GROVE NJ 070092126, CEDAR GROVE, NJ 07009-2126

Mortgage

Document Number	0000095753
Date	Oct 30, 2017
Instrument	95753

Lender

Name	HOME PT FIN'L
Address	INDIANAPOLIS, IN 46240

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 29, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3 Rose Ter was $9,754, 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		$670,400 (+84.68%) Land $305,000 Building $365,400	$670,400 (+84.68%) Land $305,000 Building $365,400
2025	$9,754.00 (+2.8%)	$363,000 Land $183,500 Building $179,500	$363,000 Land $183,500 Building $179,500
2024	$9,488.00
2023		$363,000 Land $183,500 Building $179,500	$363,000 Land $183,500 Building $179,500
2022	$9,307.00

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

Flood

FEMA maps place 3 Rose Ter in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 24, 2020

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 3 Rose Ter 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.

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 336 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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