Union County and Cranford Township property record for 403 Elm St, Cranford, NJ 07016
| Property Type | Single Family Home |
|---|---|
| Details | 1,440 sqft · built 1928 |
| Lot Size | 0.115 acres (5,001 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $288,000 (Mar 2020) |
| Tax Bill | $13,489 (2025) |
| Deeds & Mortgages | Jul 2018 Mortgage Mar 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-00518-0000-00010 |
| Primary APN | 03-00518-0000-00010 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,440 sqft Living Area |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1928 |
| Construction Type | Frame |
| Lot Area | 5,001 sqft (0.115 acres) |
| Parking Spaces | 1 Parking Space |
| Account Number | 6174002 |
|---|---|
| Street Address | 403 ELM ST |
| City | CRANFORD |
| State | NJ |
| Zip | 07016-3014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | LEHIGH PARK |
| Legal Block | 518 |
| Legal Lot Number | 10 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | CRANFORD |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 37300 |
Source: Union County and Cranford Township records · APN 03-00518-0000-00010
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 ELM ST, CRANFORD, NJ 07016-3014 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 06, 2018 | Deed of Trust, Mortgage · FHA Mortgage FINANCIAL FREEDOM MORTGAGE LLC |
| Mar 06, 2019 | Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO |
| Jul 09, 2020 | Grant Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC |
| Mar 25, 2020 | Grant Deed, Transfer · Construction Mortgage FINANCE OF AMERICA COM'L LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 25, 2020 · Amount on Record |
| Deed Sale | Mar 25, 2020 · Amount on Record |
| Deed Document Number | 2020323367 |
| Deed Book / Page | 6364 / 702 |
| Prior Transfer Date | Sep 06, 2013 |
| Prior Transfer Doc | 0059710834 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 403 ELM ST, CRANFORD, NJ 07016-3014 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0144620933 |
|---|---|
| Date | Jul 06, 2018 |
| Book Page | 14462/0933 |
| Instrument | 659447 |
| Name | FINANCIAL FREEDOM MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MARLTON, NJ 08053 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 403 ELM ST, CRANFORD, NJ 07016-3014 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0145382191 |
|---|---|
| Date | Mar 06, 2019 |
| Book Page | 14538/2191 |
| Instrument | 670025 |
| Name | OCEANSIDE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | TOMS RIVER, NJ 08753 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Jul 09, 2020 |
| Property Address | 403 ELM ST, CRANFORD, NJ 07016-3014 |
| Document Number | 0063732835 |
| Book / Page | 006373 / 002835 |
| Instrument Date | Jun 29, 2020 |
| Instrument | 325824 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2020 |
| Title Company | TRIDENT ABSTRACT TITLE AGENCY LLC, TRIDENT ABS TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $525.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 403 ELM ST CRANFORD NJ 070163014, CRANFORD, NJ 07016-3014 |
| Document Number | 147252525 |
|---|---|
| Date | Jul 09, 2020 |
| Book Page | 014725/002525 |
| Instrument | 694499 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 08, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Mar 25, 2020 |
| Property Address | 403 ELM ST, CRANFORD, NJ 07016-3014 |
| Document Number | 0063640702 |
| Book / Page | 006364 / 000702 |
| Instrument Date | Feb 26, 2020 |
| Instrument | 323367 |
| Transaction Type | Transfer |
| Record Updated | Jun 02, 2020 |
| Title Company | EXECUTIVE ABSTRACT TITLE AGENCY LLC, EXECUTIVE ABS TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $288.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 655 AMBOY AVE #410 WOODBRIDGE NJ 070953145, 410, WOODBRIDGE, NJ 07095-3145 |
| Document Number | 146690060 |
|---|---|
| Date | Mar 25, 2020 |
| Book Page | 014669/000060 |
| Instrument | 689000 |
| Name | FINANCE OF AMERICA COM'L LLC |
|---|---|
| Address | CHARLOTTE, NC 28210 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Mar 24, 2021 |
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 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 | $186,100 (-) Land $66,700 Building $119,400 | $186,100 (-) Land $66,700 Building $119,400 | |
| 2025 | $13,489.00 (+6.92%) | $186,100 (-) Land $66,700 Building $119,400 | $186,100 (-) Land $66,700 Building $119,400 |
| 2024 | $12,616.00 (+2.54%) | ||
| 2023 | $186,100 Land $66,700 Building $119,400 | $186,100 Land $66,700 Building $119,400 | |
| 2022 | $12,304.00 |
Source: FEMA National Flood Hazard Layer, Union County (34039C), as of September 24, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340390373004, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 | 9 in force |
| Nearby Flood Claims | 8 (2007–2021) |
| Claims Outside the SFHA | 7 of 8 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
| 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 | Direct burnable vegetation at the parcel |
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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
May also be available: T-Mobile USA.
Based on FCC filings for 536 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system NJ2004002, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NJ AMERICAN WATER - RARITAN private · serves 615,430 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | 1 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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