Gloucester County and Clayton Borough property record for 401 E Academy St, Clayton, NJ 08312
| Property Type | Single Family Home |
|---|---|
| Details | 2,206 sqft · built 1970 |
| Lot Size | 0.496 acres (21,601 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $7,085 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Dec 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-01904-0000-00008 |
| Primary APN | 01-01904-0000-00008 |
|---|---|
| Alternative APNs |
|
| Building Area | 2,206 sqft Living Area |
|---|
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Lot Area | 21,601 sqft (0.496 acres) |
| Lot Dimensions | 160 ft deep x 135 ft wide |
| Old Parcel Number | 0100041000000004C |
|---|---|
| Street Address | 401 E ACADEMY ST |
| City | CLAYTON |
| State | NJ |
| Zip | 08312-1506 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-B |
| Legal Description | INCL BLK 1904 P/O LOT 8 8 |
| Legal Block | 1904 |
| Legal Lot Number | 8 |
| Jurisdiction | GLOUCESTER NJ |
| Township / Civil Division | CLAYTON |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 501501 |
401 E Academy St is owned and occupied by an individual who acquired it in December 2025.
Source: Gloucester County and Clayton Borough records, as of July 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 401 E ACADEMY ST, CLAYTON, NJ 08312-1506 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Widow or Widower |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 12, 2023 | Deed of Trust, Mortgage · FHA Mortgage POLARIS HOME FUNDING CORP |
| Dec 8, 2025 | Intrafamily Transfer, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 8, 2025 |
| Deed Sale | Dec 8, 2025 |
| Prior Sale | Jul 24, 2003 · Amount on File |
| Deed Document Number | 202540020 |
| Deed Book / Page | 7276 / 329 |
| Prior Transfer Date | Oct 15, 2025 |
| Prior Transfer Doc | 0000040020 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER NJ |
| Property Address | 401 E ACADEMY ST, CLAYTON, NJ 08312-1506 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000016803 |
|---|---|
| Date | Jun 12, 2023 |
| Book Page | 18015/224 |
| Instrument | 16803 |
| Name | POLARIS HOME FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | GRANDVILLE, MI 49418 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | GLOUCESTER NJ |
| Recording Date | Dec 8, 2025 |
| Property Address | 401 E ACADEMY ST, CLAYTON, NJ 08312-1506 |
| Document Number | 0000040020 |
| Book / Page | 7276 / 329 |
| Instrument Date | Oct 15, 2025 |
| Instrument | 40020 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2025 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 401 E ACADEMY ST, CLAYTON, NJ 08312-1506 |
| Name | Verified Name |
|---|---|
| Address | 401 E ACADEMY ST, CLAYTON, NJ 08312-1506 |
| Document Number | 0000040021 |
|---|---|
| Date | Dec 8, 2025 |
| Instrument | 40021 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 1, 2055 |
The 2025 property tax bill for 401 E Academy St was $7,085, up 3.8% from the year before.
Source: Gloucester County and Clayton Borough assessment roll, as of July 6, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Gloucester County |
| Municipality | Clayton Borough |
| Unified School District | Clayton Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $379,200 (+37.49%) Land $60,100 Building $319,100 | $379,200 (+37.49%) Land $60,100 Building $319,100 | |
| 2025 | $7,085.00 (+3.79%) | $275,800 Land $60,100 Building $215,700 | $275,800 Land $60,100 Building $215,700 |
| 2024 | $6,826.00 | ||
| 2023 | $224,100 Land $31,500 Building $192,600 | $224,100 Land $31,500 Building $192,600 | |
| 2022 | $8,957.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 401 E Academy St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 16, 2016
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 401 E Academy St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 | BOROUGH OF CLAYTON serves 8,179 people · EPA ID NJ0801001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 211 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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