Gloucester County and Clayton Borough property record for 31 Downs St, Clayton, NJ 08312 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Year Built | Built 2004 |
| Square Footage | 2,916 sqft Living Area |
| Lot Size | 9,191 sqft (0.211 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $233,000 (2017) |
| Tax Bill | $11,835.00 (2025) |
| Primary APN | 01-01001-01-00019 |
|---|---|
| Alternative APN |
|
| Building Area | 2,916 sqft Living Area |
|---|
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Lot Area | 9,191 sqft (0.211 acres) |
| Street Address | 31 DOWNS ST |
|---|---|
| City | CLAYTON |
| State | NJ |
| Zip | 08312-2159 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Subdivision | HARVEST MDWS |
| Legal Block | 1001 |
| Legal Lot Number | 19 |
| Jurisdiction | GLOUCESTER NJ |
| Minor Civil Division | CLAYTON |
| Census Blockgroup | 1 |
| Census Block | 1057 |
| Census Tract | 501502 |
Source: Gloucester County and Clayton Borough records · APN 01-01001-01-00019
Assessment roll updated July 6, 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 | Individual Name on File |
|---|---|
| Mailing Address | 31 DOWNS ST, CLAYTON, NJ 08312-2159 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 14, 2025 | Deed of Trust, Mortgage · Line of Credit FIRST BANK |
| Jun 24, 2020 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME |
| May 21, 2020 | Loan Modification, Mortgage · Federal Housing Administration (FHA) Mortgage HOUSING FIN AGCY |
| Aug 15, 2017 | Deed, Transfer · Federal Housing Administration (FHA) Mortgage DRAPER & KRAMER MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 15, 2017 · Amount on Record |
| Deed Sale | Aug 15, 2017 · Amount on Record |
| Prior Sale | May 01, 2012 · Amount on Record |
| Deed Doc Number | 201731638 |
| Deed Book / Page | 5711 / 338 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER NJ |
| Property Address | 31 DOWNS ST, CLAYTON, NJ 08312-2159 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000033451 |
|---|---|
| Date | Oct 14, 2025 |
| Book Page | 18977/52 |
| Instrument | 33451 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | ZAREPHATH, NJ 08890 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 23, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER NJ |
| Property Address | 31 DOWNS ST, CLAYTON, NJ 08312-2159 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000024192 |
|---|---|
| Date | Jun 24, 2020 |
| Book Page | 16286/344 |
| Instrument | 24192 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPME |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | GLOUCESTER NJ |
| Property Address | 31 DOWNS ST, CLAYTON, NJ 08312-2159 |
| Document Number | 0000038209 |
| Instrument Date | May 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 31 COWNS ST CLAYTON NJ 08312, CLAYTON, NJ 08312 |
| Document Number | 0000038209 |
|---|---|
| Date | Sep 18, 2020 |
| Book Page | 016430/000001 |
| Instrument | 38209 |
| Name | HOUSING FIN AGCY |
|---|---|
| Address | 637 S CLINTON AVE, TRENTON, NJ 08611-1811 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | GLOUCESTER NJ |
| Recording Date | Aug 15, 2017 |
| Property Address | 31 DOWNS ST, CLAYTON, NJ 08312-2159 |
| Document Number | 0000031638 |
| Book / Page | 05711 / 338 |
| Instrument Date | Aug 07, 2017 |
| Instrument | 31638 |
| Transaction Type | Transfer |
| Record Updated | Nov 05, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $815.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 429, CLAYTON, NJ 08312-0429 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants In Common |
| Address | 31 DOWNS ST, CLAYTON, NJ 08312-2159 |
| Investor | Possibly a Property Investor |
| Document Number | 0000031639 |
|---|---|
| Date | Aug 15, 2017 |
| Instrument | 31639 |
| Name | DRAPER & KRAMER MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2047 |
| Document Number | 0000031640 |
|---|---|
| Date | Aug 15, 2017 |
| Book Page | 15165/241 |
| Instrument | 31640 |
| Name | NEW JERSEY HOUSING & MORTGAGE FIN AGENCY |
|---|---|
| Type | Government Agency |
| Address | TRENTON, NJ 08650 |
| Amount | Amount Recorded |
|---|---|
| Term | 61 Months |
| Due | Sep 01, 2022 |
Source: Gloucester County and Clayton Borough records · Assessment roll updated July 6, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Gloucester County |
| Municipality | Clayton Borough |
| Unified School District | Clayton Borough School District (KG - 12) |
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 | $528,900 (+14.8%) Land $76,500 Building $452,400 | $528,900 (+14.8%) Land $76,500 Building $452,400 | |
| 2025 | $11,835.00 (+3.8%) | $460,700 (+85.54%) Land $76,500 Building $384,200 | $460,700 (+85.54%) Land $76,500 Building $384,200 |
| 2024 | $11,402.00 (+14.89%) | ||
| 2023 | $248,300 Land $40,600 Building $207,700 | $248,300 Land $40,600 Building $207,700 | |
| 2022 | $9,924.00 |
31 Downs St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).
Source: FEMA National Flood Hazard Layer · Gloucester County (34015C), updated August 16, 2016
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Moderate 40th percentile of exposed land nationally · 60th in New Jersey |
|---|---|
| Wildfire Likelihood | Low — about 1 in 2,041 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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