323 Harding Ave, Clifton, NJ 07011 Property Records

Passaic County and Clifton City property record for 323 Harding Ave, Clifton, NJ 07011

Property Summary

Property Type	Single Family Home
Details	2,016 sqft · built 1932
Lot Size	0.084 acres (3,663 sqft)
Owner	Individual Name on File
Last Sale	$279,000 (Nov 2001)
Tax Bill	$10,812 (2025)
Deeds & Mortgages	Feb 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`02-00020-03-00013`

Property Details

APN / Parcel Number

Primary APN	`02-00020-03-00013`
Alternative APNs	`0200020000300013` `0200020300013`

Interior

Units	2 Units
Stories	2 Stories
Building Area	2,016 sqft Living Area

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Exterior Material	Wood
Construction Type	Frame
Lot Area	3,663 sqft (0.084 acres)
Lot Dimensions	99 ft deep x 37 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	0200020300013
Street Address	323 HARDING AVE
City	CLIFTON
State	NJ
Zip	07011-3111
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B1
Legal Block	20.3
Legal Lot Number	13
Jurisdiction	PASSAIC NJ
Township / Civil Division	CLIFTON
Census Block Group	4
Census Block	4019
Census Tract	124602

Owner

323 Harding Ave is owned and occupied by an individual who bought it in November 2001.

Source: Passaic County and Clifton City records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	323 HARDING AVE, CLIFTON, NJ 07011-3111
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2001 · Amount on File
Deed Sale	Nov 1, 2001 · Amount on File
Prior Sale	Dec 24, 1996 · Amount on File
Deed Book / Page	312 / 159
Record Updated	Oct 29, 2026

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	PASSAIC NJ
Property Address	323 HARDING AVE, CLIFTON, NJ 07011-3111
Document Number	0000014765
Instrument Date	Feb 3, 2017
Transaction Type	Mortgage
Record Updated	Aug 17, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 HARDING AVE CLIFTON NJ 070113111, CLIFTON, NJ 07011-3111

Mortgage

Document Number	0000014765
Date	Mar 21, 2017
Book Page	000699/000095
Instrument	14765

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	480 Months
Due	Mar 20, 2057

Interest

Rate Type	Fixed Rate
Rate	6.1%

Tax Assessment & Valuation

The 2025 property tax bill for 323 Harding Ave was $10,812, up 3.3% from the year before.

Source: Passaic County and Clifton City assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Passaic County
Municipality	Clifton City
Unified School District	Clifton City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$176,400 (-) Land $77,200 Building $99,200	$176,400 (-) Land $77,200 Building $99,200
2025	$10,812.00 (+3.26%)	$176,400 Land $77,200 Building $99,200	$176,400 Land $77,200 Building $99,200
2024	$10,471.00
2023		$176,400 Land $77,200 Building $99,200	$176,400 Land $77,200 Building $99,200
2022	$10,072.00

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

Flood

FEMA maps place 323 Harding Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1980.

Source: FEMA National Flood Hazard Layer, effective May 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1980)
Most Recent Claim	Mar 1980 · rainfall accumulation

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

The area around 323 Harding Ave 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	PASSAIC VALLEY WATER COMMISSION serves 310,483 people · EPA ID NJ1605002
Water Source	Surface water
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2021
Monitoring and Reporting	2 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 909 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20