320 Walnut Ave, Cranford, NJ 07016 Property Records

Union County and Cranford Township property record for 320 Walnut Ave, Cranford, NJ 07016

Property Summary

Property Type	Single Family Home
Details	2,556 sqft · built 2020
Lot Size	0.283 acres (12,332 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,150,000 (Oct 2024)
Tax Bill	$20,294 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-00488-0000-00015-01`

Property Details

APN / Parcel Number

Primary APN	`03-00488-0000-00015-01`

Interior

Building Area	2,556 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Lot Area	12,332 sqft (0.283 acres)

Location & Zoning

Street Address	320 WALNUT AVE
City	CRANFORD
State	NJ
Zip	07016-2908
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Subdivision	TOWNSHIP/CRANFORD
Legal Block	488
Legal Lot Number	15.1
Jurisdiction	UNION NJ
Township / Civil Division	CRANFORD
Census Block Group	3
Census Block	3000
Census Tract	37400

Owner

Source: Union County and Cranford Township records, as of July 8, 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 Record
Mailing Address	320 WALNUT AVE, CRANFORD, NJ 07016-2908
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage HOMELAND LENDING LLC
Jun 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage OCEANFIRST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2024 · Amount on Record
Deed Sale	Oct 28, 2024 · Amount on Record
Deed Document Number	202441611
Deed Book / Page	6561 / 2278
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	320 WALNUT AVE, CRANFORD, NJ 07016-2908
Transaction Type	Mortgage
Record Updated	Dec 10, 2025
Title Company	EVIDENT TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 WALNUT AVE, CRANFORD, NJ 07016-2908

Mortgage

Document Number	0157182873
Date	Nov 10, 2025
Book Page	15718/2873
Instrument	85074

Lender

Name	HOMELAND LENDING LLC
Address	HACKENSACK, NJ 07601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	320 WALNUT AVE, CRANFORD, NJ 07016-2908
Transaction Type	Mortgage
Record Updated	Nov 4, 2021
Title Company	SUBURBAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0147170001
Date	Jun 25, 2020
Book Page	14717/1
Instrument	693657

Lender

Name	OCEANFIRST BANK
Type	Bank
Address	TOMS RIVER, NJ 08753

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Jul 1, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.12%
Index	1-Year CMT
Max Rate	10.1%

Tax Assessment & Valuation

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		$280,000 (-) Land $80,000 Building $200,000	$280,000 (-) Land $80,000 Building $200,000
2025	$20,294.00 (+6.92%)	$280,000 (-) Land $80,000 Building $200,000	$280,000 (-) Land $80,000 Building $200,000
2024	$18,981.00 (+2.53%)
2023		$280,000 Land $80,000 Building $200,000	$280,000 Land $80,000 Building $200,000
2022	$18,513.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	4 (1978–2014)
Claims Outside the SFHA	3 of 4
Most Recent Claim	May 2014 · other causes

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

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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