315 Walnut Ave, Cranford, NJ 07016 Property Records

Union County and Cranford Township property record for 315 Walnut Ave, Cranford, NJ 07016

Property Summary

Property Type	Single Family Home
Details	built 1927
Lot Size	0.342 acres (14,902 sqft)
Owner	2 Individual Names on File
Last Sale	$308,500 (Feb 2000)
Tax Bill	$14,866 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Nov 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-00497-0000-00015`

Property Details

APN / Parcel Number

Primary APN	`03-00497-0000-00015`
Alternative APNs	`030049700015` `5812008`

Interior

Stories	1 Story

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Construction Type	Frame
Lot Area	14,902 sqft (0.342 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	5812008
Street Address	315 WALNUT AVE
City	CRANFORD
State	NJ
Zip	07016-2907
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	TOWNSHIP/CRANFORD
Legal Block	497
Legal Lot Number	15
Jurisdiction	UNION NJ
Township / Civil Division	CRANFORD
Census Block Group	1
Census Block	1016
Census Tract	37300

Owner

315 Walnut Ave is owned and occupied by two individuals who bought it in February 2000.

Source: Union County and Cranford Township records, as of July 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	315 WALNUT AVE, CRANFORD, NJ 07016-2907
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
Aug 10, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Nov 29, 2018	Deed of Trust, Mortgage · ARM GUARDHILL FINANCIAL CORP
Sep 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARDHILL FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2000 · Amount on File
Deed Sale	Feb 2, 2000 · Amount on File
Deed Document Number	200076883
Deed Book / Page	4930 / 35
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	315 WALNUT AVE, CRANFORD, NJ 07016-2907
Transaction Type	Mortgage
Record Updated	Aug 26, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 WALNUT AVE, CRANFORD, NJ 07016-2907

Mortgage

Document Number	0152612630
Date	Aug 10, 2022
Book Page	15261/2630
Instrument	41576

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	295 Months
Due	Mar 22, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	315 WALNUT AVE, CRANFORD, NJ 07016-2907
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INVESTMENT TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0145100959
Date	Nov 29, 2018
Book Page	14510/0959
Instrument	665828

Lender

Name	GUARDHILL FINANCIAL CORP
Type	Mortgage Company
Address	NEW YORK, NY 10017

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Dec 1, 2023
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6%
Index	1-Year LIBOR
Max Rate	9%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	315 WALNUT AVE, CRANFORD, NJ 07016-2907
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0147582272
Date	Sep 2, 2020
Book Page	14758/2272
Instrument	697951

Lender

Name	GUARDHILL FINANCIAL CORP
Type	Mortgage Company
Address	NEW YORK, NY 10017

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 315 Walnut Ave was $14,866, up 6.9% from the year before.

Source: Union County and Cranford Township assessment roll, as of July 8, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$205,100 (-) Land $81,500 Building $123,600	$205,100 (-) Land $81,500 Building $123,600
2025	$14,866.00 (+6.93%)	$205,100 Land $81,500 Building $123,600	$205,100 Land $81,500 Building $123,600
2024	$13,903.00
2023		$205,100 Land $81,500 Building $123,600	$205,100 Land $81,500 Building $123,600
2022	$13,561.00

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

Flood

FEMA maps place 315 Walnut Ave in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 29 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	46 (1978–2021)
Claims Outside the SFHA	33 of 46
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 11 claims Hurricane Irene, Sep 2011 · 15 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 6 claims

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.

Wildfire

Wildfire risk around 315 Walnut Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 94% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 536 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

May also be available: T-Mobile.

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