403 Central Ave, Cranford, NJ 07016 Property Records

Union County and Cranford Township property record for 403 Central Ave, Cranford, NJ 07016 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	built 1920
Lot Size	0.155 acres (6,752 sqft)
Owner	2 Individual Names on File
Last Sale	$202,000 (May 1999)
Tax Bill	$13,452 (2025)
Deeds & Mortgages	Dec 2017 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`03-00225-0000-00003`

Property Details

APN / Parcel Number

Primary APN	`03-00225-0000-00003`
Alternative APNs	`030022500003` `2117009`

Interior

Stories	2 Stories

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	6,752 sqft (0.155 acres)

Location & Zoning

Account Number	2117009
Street Address	403 CENTRAL AVE
City	CRANFORD
State	NJ
Zip	07016-2362
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	225
Legal Lot Number	3
Jurisdiction	UNION NJ
Township / Civil Division	CRANFORD
Census Block Group	5
Census Block	5017
Census Tract	37000

Owner

Source: Union County and Cranford Township records · APN 03-00225-0000-00003

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	403 CENTRAL AVE, CRANFORD, NJ 07016-2362
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 06, 1999 · Amount on Record
Deed Sale	May 06, 1999 · Amount on Record
Deed Document Number	199966071
Deed Book / Page	4812 / 190
Record Updated	Sep 20, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	403 CENTRAL AVE, CRANFORD, NJ 07016-2362
Document Number	0143840371
Instrument Date	Dec 09, 2017
Transaction Type	Mortgage
Record Updated	Oct 01, 2020
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 CENTRAL AVE CRANFORD NJ 070162362, CRANFORD, NJ 07016-2362

Mortgage

Document Number	0143840371
Date	Dec 26, 2017
Book Page	014384/000371
Instrument	651256

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 25, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Union County and Cranford Township records · Assessment roll updated July 8, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$185,600 (-) Land $91,700 Building $93,900	$185,600 (-) Land $91,700 Building $93,900
2025	$13,452.00 (+6.92%)	$185,600 (-) Land $91,700 Building $93,900	$185,600 (-) Land $91,700 Building $93,900
2024	$12,581.00 (+2.53%)
2023		$185,600 Land $91,700 Building $93,900	$185,600 Land $91,700 Building $93,900
2022	$12,271.00

Flood & Wildfire

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

Flood

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 100 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	Hurricane Irene, Sep 2011 · 65 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 41 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 45 claims

Wildfire

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.

Internet Providers

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.