396 Walnut Ave, Cranford, NJ 07016 Property Records

Union County and Cranford Township property record for 396 Walnut Ave, Cranford, NJ 07016

Property Summary

Property Type	Single Family Home
Details	1,482 sqft · built 1953
Lot Size	0.152 acres (6,599 sqft)
Owner	2 Individual Names on File
Last Sale	$405,000 (Apr 2004)
Tax Bill	$13,387 (2025)
Deeds & Mortgages	Oct 2020 Second Mortgage Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-00472-0000-00028`

Property Details

APN / Parcel Number

Primary APN	`03-00472-0000-00028`
Alternative APNs	`030047200028` `5376009`

Interior

Stories	1 Story
Building Area	1,482 sqft Living Area
1st Floor Area	1,482 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Split Level
Exterior Material	Stucco
Construction Type	Frame
Lot Area	6,599 sqft (0.152 acres)
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	5376009
Street Address	396 WALNUT AVE
City	CRANFORD
State	NJ
Zip	07016-2908
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	BUILDERS CORP/AMERICA
Legal Block	472
Legal Lot Number	28
Jurisdiction	UNION NJ
Township / Civil Division	CRANFORD
Census Block Group	3
Census Block	3014
Census Tract	37400

Owner

396 Walnut Ave is owned and occupied by two individuals who bought it in April 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	396 WALNUT AVE, CRANFORD, NJ 07016-2908
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
Oct 13, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPENCER SAVINGS BANK SLA
Oct 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2004 · Amount on File
Deed Sale	Apr 14, 2004 · Amount on File
Prior Sale	Jul 30, 1998 · Amount on File
Deed Book / Page	5425 / 230
Prior Transfer Date	Oct 27, 1999
Prior Transfer Doc	0000073455
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	396 WALNUT AVE, CRANFORD, NJ 07016-2908
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0147880009
Date	Oct 13, 2020
Book Page	14788/9
Instrument	700813

Lender

Name	SPENCER SAVINGS BANK SLA
Type	Bank
Address	ELMWOOD PARK, NJ 07407

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 9, 2035

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	396 WALNUT AVE, CRANFORD, NJ 07016-2908
Transaction Type	Mortgage
Record Updated	Aug 19, 2022
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0150752418
Date	Oct 7, 2021
Book Page	15075/2418
Instrument	22512

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 396 Walnut Ave was $13,387, 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		$184,700 (-) Land $73,000 Building $111,700	$184,700 (-) Land $73,000 Building $111,700
2025	$13,387.00 (+6.92%)	$184,700 Land $73,000 Building $111,700	$184,700 Land $73,000 Building $111,700
2024	$12,520.00
2023		$184,700 Land $73,000 Building $111,700	$184,700 Land $73,000 Building $111,700
2022	$12,212.00

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

Flood

FEMA maps place 396 Walnut Ave in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 396 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 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	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 535 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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