403 Denman Rd, Cranford, NJ 07016 Property Records

Union County and Cranford Township property record for 403 Denman Rd, Cranford, NJ 07016

Property Summary

Property Type	Single Family Home
Details	2,902 sqft · built 1955
Lot Size	0.19 acres (8,263 sqft)
Owner	2 Individual Names on File
Last Sale	$860,269 (May 2022)
Tax Bill	$20,729 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-00463-0000-00012`

Property Details

APN / Parcel Number

Primary APN	`03-00463-0000-00012`
Alternative APNs	`030046300012` `5159002`

Interior

Stories	2 Stories
Building Area	2,902 sqft Living Area

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Colonial
Construction Type	Frame
Lot Area	8,263 sqft (0.19 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	5159002
Street Address	403 DENMAN RD
City	CRANFORD
State	NJ
Zip	07016-2707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	HIGHLANDS
Legal Block	463
Legal Lot Number	12
Jurisdiction	UNION NJ
Township / Civil Division	CRANFORD
Census Block Group	4
Census Block	4003
Census Tract	37400

Owner

403 Denman Rd is owned and occupied by two individuals who bought it in May 2022.

Source: Union County and Cranford Township records, as of July 8, 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	403 DENMAN RD, CRANFORD, NJ 07016-2707
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
May 12, 2022	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2022 · Amount on File
Deed Sale	May 12, 2022 · Amount on File
Prior Sale	Aug 13, 1993 · Amount on File
Deed Document Number	202218049
Deed Book / Page	6463 / 2988
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	403 DENMAN RD, CRANFORD, NJ 07016-2707
Transaction Type	Mortgage
Record Updated	Dec 29, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 DENMAN RD, CRANFORD, NJ 07016-2707

Mortgage

Document Number	0153132560
Date	Dec 15, 2022
Book Page	15313/2560
Instrument	46696

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Nov 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	May 12, 2022
Property Address	403 DENMAN RD, CRANFORD, NJ 07016-2707
Document Number	0064632988
Book / Page	6463 / 2988
Instrument Date	Apr 26, 2022
Instrument	18049
Transaction Type	Transfer
Record Updated	Jun 2, 2022
Title Company	TITLE AGENCY/NJ INC, TITLE AGENCY OF NJ INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,796.15
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2629 MANOR STONE WAY, 2629, INDIAN TRAIL, NC 28079-8899

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 DENMAN RD, CRANFORD, NJ 07016-2707

Mortgage

Document Number	0000037226
Date	May 12, 2022
Instrument	37226

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 403 Denman Rd was $20,729, 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		$286,000 (-) Land $85,200 Building $200,800	$286,000 (-) Land $85,200 Building $200,800
2025	$20,729.00 (+6.92%)	$286,000 Land $85,200 Building $200,800	$286,000 Land $85,200 Building $200,800
2024	$19,387.00
2023		$271,400 Land $85,200 Building $186,200	$271,400 Land $85,200 Building $186,200
2022	$17,944.00

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 403 Denman Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2011 · Hurricane Irene

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 403 Denman Rd 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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