Union County and Cranford Township property record for 401 Central Ave, Cranford, NJ 07016 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2,052 sqft · built 1875 |
| Lot Size | 0.276 acres (12,001 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $975,000 (May 2024) |
| Tax Bill | $14,829 (2025) |
| Deeds & Mortgages | Sep 2021 Line of Credit Mar 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 03-00225-0000-00004 |
| Primary APN | 03-00225-0000-00004 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,052 sqft Living Area |
| Year Built | Built 1875 |
|---|---|
| Effective Year Built | Effective 1875 |
| Construction Type | Frame |
| Lot Area | 12,001 sqft (0.276 acres) |
| Parking Spaces | 1 Parking Space |
| Account Number | 2118000 |
|---|---|
| Street Address | 401 CENTRAL AVE |
| City | CRANFORD |
| State | NJ |
| Zip | 07016-2362 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 225 |
| Legal Lot Number | 4 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | CRANFORD |
| Census Block Group | 5 |
| Census Block | 5017 |
| Census Tract | 37000 |
Source: Union County and Cranford Township records · APN 03-00225-0000-00004
Assessment roll updated July 8, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 401 CENTRAL AVE, CRANFORD, NJ 07016-2362 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 15, 2021 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Mar 05, 2020 | Grant Deed, Transfer · Conventional with PMI NAVY FCU |
| Dec 04, 2017 | Grant Deed, Construction Loan · Construction Mortgage ASSET LNDG & LNS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 13, 2024 · Amount on Record |
| Deed Sale | May 13, 2024 · Amount on Record |
| Prior Sale | Mar 05, 2020 · Amount on Record |
| Deed Document Number | 202437622 |
| Deed Book / Page | 6544 / 2611 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 401 CENTRAL AVE, CRANFORD, NJ 07016-2362 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0150572217 |
|---|---|
| Date | Sep 15, 2021 |
| Book Page | 15057/2217 |
| Instrument | 20877 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 27, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Mar 05, 2020 |
| Property Address | 401 CENTRAL AVE, CRANFORD, NJ 07016-2362 |
| Document Number | 0063620495 |
| Book / Page | 006362 / 000495 |
| Instrument Date | Feb 27, 2020 |
| Instrument | 322791 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2020 |
| Title Company | ZWIREN TITLE AGENCY INC, ZWIREN TITLE AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $585.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 401 CENTRAL AVE CRANFORD NJ 070162362, CRANFORD, NJ 07016-2362 |
| Document Number | 46610266 |
|---|---|
| Date | Mar 05, 2020 |
| Book Page | 004661/000266 |
| Instrument | 687999 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 04, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Dec 04, 2017 |
| Property Address | 401 CENTRAL AVE, CRANFORD, NJ 07016-2362 |
| Document Number | 0062310602 |
| Book / Page | 006231 / 000602 |
| Instrument Date | Nov 06, 2017 |
| Instrument | 294172 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 01, 2018 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $411.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 344 GROVE ST JERSEY CITY NJ 073025923, JERSEY CITY, NJ 07302-5923 |
| Document Number | 143720968 |
|---|---|
| Date | Dec 04, 2017 |
| Book Page | 014372/000968 |
| Instrument | 650099 |
| Name | ASSET LNDG & LNS LLC |
|---|---|
| Address | TENAFLY, NJ 07670 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Dec 03, 2018 |
Source: Union County and Cranford Township records · Assessment roll updated July 8, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Union County |
| County Subdivision | Cranford Township |
| Unified School District | Cranford Township School District (KG - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $204,600 (-) Land $102,200 Building $102,400 | $204,600 (-) Land $102,200 Building $102,400 | |
| 2025 | $14,829.00 (+6.92%) | $204,600 (-) Land $102,200 Building $102,400 | $204,600 (-) Land $102,200 Building $102,400 |
| 2024 | $13,869.00 (+2.52%) | ||
| 2023 | $204,600 Land $102,200 Building $102,400 | $204,600 Land $102,200 Building $102,400 | |
| 2022 | $13,528.00 |
Source: FEMA National Flood Hazard Layer, Union County (34039C), updated September 24, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340390370005, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 85 individual NFIP policies nearby |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 85 in force |
| Nearby Flood Claims | 230 (1978–2023) |
| Claims Outside the SFHA | 26 of 230 |
| Most Recent Claim | May 2023, rainfall accumulation |
| Claims By Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 711 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Verizon | Fiber | 2,300 / 2,300 |
| Xfinity | Cable | 2,000 / 250 |
| AT&T | Fixed Wireless | 100 / 20 |
May also be available at this address: T-Mobile USA, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
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