Essex County and Cedar Grove Township property record for 40 Harper Ter, Cedar Grove, NJ 07009
| Property Type | Single Family Home |
|---|---|
| Details | 1,224 sqft · built 1927 |
| Lot Size | 0.141 acres (6,155 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $320,000 (Jul 2013) |
| Tax Bill | $8,886 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-00026-0000-00008 |
| Primary APN | 04-00026-0000-00008 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,224 sqft Living Area |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Construction Type | Frame |
| Lot Area | 6,155 sqft (0.141 acres) |
| Lot Dimensions | 114 ft deep x 54 ft wide |
| Garage Type | Detached |
| Old Parcel Number | 040002600008 |
|---|---|
| Street Address | 40 HARPER TER |
| City | CEDAR GROVE |
| State | NJ |
| Zip | 07009-2223 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 54X114 |
| Legal Block | 26 |
| Legal Lot Number | 8 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | CEDAR GROVE |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 21400 |
40 Harper Ter is owned and occupied by two individuals who bought it in July 2013.
Source: Essex County and Cedar Grove Township records, as of July 2, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 40 HARPER TER, CEDAR GROVE, NJ 07009-2223 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 2, 2013 · Amount on File |
| Deed Sale | Jul 2, 2013 · Amount on File |
| Deed Book / Page | 12453 / 575 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 40 HARPER TER, CEDAR GROVE, NJ 07009-2223 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2021 |
| Title Company | FIRST JERSEY TITLE SERVICES INC, FIRST JERSEY TITLE SVCS INC |
| Name | Verified Name |
|---|
| Document Number | 2021038828 |
|---|---|
| Date | Mar 30, 2021 |
| Instrument | 2021038828 |
| Name | COLUMBIA BANK |
|---|---|
| Type | Bank |
| Address | FAIR LAWN, NJ 07410 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2036 |
The 2025 property tax bill for 40 Harper Ter was $8,886, up 2.8% from the year before.
Source: Essex County and Cedar Grove Township assessment roll, as of July 2, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Essex County |
| County Subdivision | Cedar Grove Township |
| Unified School District | Cedar Grove Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $613,500 (+85.52%) Land $362,000 Building $251,500 | $613,500 (+85.52%) Land $362,000 Building $251,500 | |
| 2025 | $8,886.00 (+2.8%) | $330,700 Land $237,200 Building $93,500 | $330,700 Land $237,200 Building $93,500 |
| 2024 | $8,644.00 | ||
| 2023 | $330,700 Land $237,200 Building $93,500 | $330,700 Land $237,200 Building $93,500 | |
| 2022 | $8,479.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 Harper Ter in Zone X, an area of minimal flood risk.
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 |
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 risk around 40 Harper Ter 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.
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 |
| 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.
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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