38 Franklin St, Cedar Grove, NJ 07009 Property Records

Essex County and Cedar Grove Township property record for 38 Franklin St, Cedar Grove, NJ 07009

Property Summary

Property Type	Single Family Home
Details	1,744 sqft · built 1931
Lot Size	0.165 acres (7,200 sqft)
Owner	2 Individual Names on File
Last Sale	$449,000 (Aug 2016)
Tax Bill	$11,895 (2025)
Deeds & Mortgages	Feb 2020 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-00027-0000-00009`

Property Details

APN / Parcel Number

Primary APN	`04-00027-0000-00009`
Alternative APN	`040002700009`

Interior

Stories	2 Stories
Building Area	1,744 sqft Living Area

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1931
Construction Type	Frame
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	040002700009
Street Address	38 FRANKLIN ST
City	CEDAR GROVE
State	NJ
Zip	07009-2208
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	60X120
Legal Subdivision	FRANKLIN MANOR
Legal Block	27
Legal Lot Number	9
Jurisdiction	ESSEX NJ
Township / Civil Division	CEDAR GROVE
Census Block Group	2
Census Block	2006
Census Tract	21400

Owner

38 Franklin St is owned and occupied by two individuals who bought it in August 2016.

Source: Essex County and Cedar Grove Township records, as of July 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	38 FRANKLIN ST, CEDAR GROVE, NJ 07009-2208
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
Feb 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage NJ LENDERS
May 20, 2019	Grant Deed, Transfer · Conventional Mortgage TD BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2016 · Amount on File
Deed Sale	Aug 23, 2016 · Amount on File
Prior Sale	Aug 22, 2016 · Amount on File
Deed Document Number	201672353
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	38 FRANKLIN ST, CEDAR GROVE, NJ 07009-2208
Document Number	0000026184
Instrument Date	Feb 3, 2020
Transaction Type	Mortgage
Record Updated	May 1, 2020
Title Company	PRESTIGE TITLE AGENCY INC, PRESTIGE TITLE AGCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	38 FRANKLIN ST CEDAR GROVE NJ 070092208, CEDAR GROVE, NJ 07009-2208

Mortgage

Document Number	0000026184
Date	Mar 6, 2020
Instrument	26184

Lender

Name	NJ LENDERS
Address	LITTLE FALLS, NJ 07424

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 5, 2050

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	May 20, 2019
Property Address	38 FRANKLIN ST, CEDAR GROVE, NJ 07009-2208
Document Number	0000046723
Instrument Date	May 14, 2019
Instrument	46723
Transaction Type	Transfer
Record Updated	Jun 25, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$469.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	38 FRANKLIN ST VERONA NJ 070442225, VERONA, NJ 07044-2225

Mortgage

Document Number	46724
Date	May 20, 2019
Instrument	46724

Lender

Name	TD BK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 19, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 38 Franklin St was $11,895, up 2.8% from the year before.

Source: Essex County and Cedar Grove Township assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Essex County
County Subdivision	Cedar Grove Township
Unified School District	Cedar Grove Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$726,800 (+64.17%) Land $372,000 Building $354,800	$726,800 (+64.17%) Land $372,000 Building $354,800
2025	$11,895.00 (+2.79%)	$442,700 Land $238,900 Building $203,800	$442,700 Land $238,900 Building $203,800
2024	$11,572.00
2023		$442,700 (-) Land $238,900 Building $203,800	$442,700 (-) Land $238,900 Building $203,800
2022	$11,350.00 (+1.22%)	$442,700 Land $238,900 Building $203,800	$442,700 Land $238,900 Building $203,800
2021	$11,213.00

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

Flood

FEMA maps place 38 Franklin St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2012.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2012–2021)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

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 38 Franklin St 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 99.1% of the US · lower than 97.3% 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	CEDAR GROVE WATER DEPT serves 12,900 people · EPA ID NJ0704001
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2024
Monitoring and Reporting	3 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 474 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

May also be available: Xfinity.

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