305 Central Ave, Cranford, NJ 07016 Property Records

Union County and Cranford Township property record for 305 Central Ave, Cranford, NJ 07016 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2,184 sqft · built 1875
Lot Size	0.172 acres (7,501 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Jan 2009)
Tax Bill	$14,902 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`03-00225-0000-00006`

Property Details

APN / Parcel Number

Primary APN	`03-00225-0000-00006`
Alternative APNs	`030022500006` `2120009`

Interior

Stories	2 Stories
Building Area	2,184 sqft Living Area

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1875
Construction Type	Frame
Lot Area	7,501 sqft (0.172 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	2120009
Street Address	305 CENTRAL AVE
City	CRANFORD
State	NJ
Zip	07016-2301
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	DR LOWNSBERY
Legal Block	225
Legal Lot Number	6
Jurisdiction	UNION NJ
Township / Civil Division	CRANFORD
Census Block Group	5
Census Block	5017
Census Tract	37000

Owner

Source: Union County and Cranford Township records · APN 03-00225-0000-00006

Assessment roll updated July 8, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	305 CENTRAL AVE, CRANFORD, NJ 07016-2301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 26, 2009 · Amount on Record
Deed Sale	Jan 26, 2009 · Amount on Record
Deed Document Number	2009202237
Deed Book / Page	5749 / 296
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	305 CENTRAL AVE, CRANFORD, NJ 07016-2301
Transaction Type	Mortgage
Record Updated	Feb 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MB148762069
Date	Feb 03, 2021
Book Page	MB14876/2069
Instrument	3286

Lender

Name	PROVIDENT BANK
Type	Bank
Address	08838

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2051

Tax Assessment & Valuation

Source: Union County and Cranford Township records · Assessment roll updated July 8, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Union County
County Subdivision	Cranford Township
Unified School District	Cranford Township School District (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$220,300 (+7.15%) Land $93,300 Building $127,000	$220,300 (+7.15%) Land $93,300 Building $127,000
2025	$14,902.00 (+6.92%)	$205,600 (-) Land $93,300 Building $112,300	$205,600 (-) Land $93,300 Building $112,300
2024	$13,937.00 (+2.52%)
2023		$205,600 Land $93,300 Building $112,300	$205,600 Land $93,300 Building $112,300
2022	$13,594.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Union County (34039C), updated September 24, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340390370005, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 85 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	85 in force 83 of 85 on primary residences
Nearby Flood Claims	230 (1978–2023)
Claims Outside the SFHA	26 of 230
Most Recent Claim	May 2023, rainfall accumulation
Flood Events	Hurricane Irene (Sep 2011), 65 claims Severe Storms And Inland And Coastal Flooding (Apr 2007), 41 claims Hurricane Floyd Major Disaster Declarations (Sep 1999), 45 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.