409 High St, Cranford, NJ 07016 Property Records

Union County and Cranford Township property record for 409 High St, Cranford, NJ 07016

Property Summary

Property Type	Single Family Home
Details	built 1920
Lot Size	0.144 acres (6,251 sqft)
Owner	2 Individual Names on File
Last Sale	$1,050,000 (Jul 2026)
Tax Bill	$13,155 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Feb 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-00502-0000-00014`

Property Details

APN / Parcel Number

Primary APN	`03-00502-0000-00014`
Alternative APNs	`030050200014` `5901003`

Interior

Stories	2 Stories

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	6,251 sqft (0.144 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	5901003
Street Address	409 HIGH ST
City	CRANFORD
State	NJ
Zip	07016-3024
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	502
Legal Lot Number	14
Jurisdiction	UNION NJ
Township / Civil Division	CRANFORD
Census Block Group	4
Census Block	4005
Census Tract	37300

Owner

409 High St is owned and occupied by two individuals who bought it in July 2026.

Source: Union County and Cranford Township records, as of August 3, 2026

Owner of Record	2 Individual Names on File
Mailing Address	409 HIGH ST, CRANFORD, NJ 07016-3024
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Deed, Transfer · Conventional Mortgage KEYSTONE FUNDING
Feb 4, 2026	Deed, Transfer · Conventional Mortgage A&D MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2026 · Amount on File
Deed Sale	Jul 21, 2026 · Amount on File
Prior Sale	Feb 4, 2026 · Amount on File
Deed Document Number	202656493
Deed Book / Page	6626 / 56
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Jul 21, 2026
Property Address	409 HIGH ST, CRANFORD, NJ 07016-3024
Document Number	0000056493
Book / Page	6626 / 56
Instrument Date	Jun 30, 2026
Instrument	202656493
Transaction Type	Transfer
Record Updated	Aug 3, 2026
Title Company	WESTCOR LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$106,050.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 HIGH ST, CRANFORD, NJ 07016-3024
Investor	Possibly a Property Investor

Mortgage

Document Number	0000095018,
Date	Jul 21, 2026
Book Page	15832/137
Instrument	202695018

Lender

Name	KEYSTONE FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Feb 4, 2026
Property Address	409 HIGH ST, CRANFORD, NJ 07016-3024
Document Number	0066090354
Book / Page	6609 / 354
Instrument Date	Jan 23, 2026
Instrument	52656
Transaction Type	Transfer
Record Updated	Feb 19, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,920.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	47 FARMBROOK DR, OLD BRIDGE, NJ 08857-1448

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 HIGH ST, CRANFORD, NJ 07016-3024

Mortgage

Document Number	0000088260
Date	Feb 4, 2026
Instrument	88260

Lender

Name	A&D MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 409 High St was $13,155, 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		$181,500 (-) Land $77,100 Building $104,400	$181,500 (-) Land $77,100 Building $104,400
2025	$13,155.00 (+6.92%)	$181,500 Land $77,100 Building $104,400	$181,500 Land $77,100 Building $104,400
2024	$12,304.00
2023		$181,500 Land $77,100 Building $104,400	$181,500 Land $77,100 Building $104,400
2022	$11,750.00

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 409 High St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Hurricane Irene, Aug 2011 · 4 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 3 claims

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 409 High St 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 536 locations within half a mile, as of December 31, 2025

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.

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