44 Harper Ter, Cedar Grove, NJ 07009 Property Records

Essex County and Cedar Grove Township property record for 44 Harper Ter, Cedar Grove, NJ 07009

Property Summary

Property Type	Single Family Home
Details	2,002 sqft · built 1927
Lot Size	0.149 acres (6,499 sqft)
Owner	2 Individual Names on File
Last Sale	$419,000 (May 2015)
Tax Bill	$10,818 (2025)
Deeds & Mortgages	Nov 2020 Mortgage May 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`04-00026-0000-00009`

Property Details

APN / Parcel Number

Primary APN	`04-00026-0000-00009`
Alternative APN	`040002600009`

Interior

Stories	2 Stories
Building Area	2,002 sqft Living Area

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Construction Type	Frame
Lot Area	6,499 sqft (0.149 acres)
Lot Dimensions	114 ft deep x 57 ft wide
Garage Type	Detached

Location & Zoning

Old Parcel Number	040002600009
Street Address	44 HARPER TER
City	CEDAR GROVE
State	NJ
Zip	07009-2223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	57X114+10X114TRI
Legal Subdivision	JOSEPH R HUGHES
Legal Block	26
Legal Lot Number	9
Jurisdiction	ESSEX NJ
Township / Civil Division	CEDAR GROVE
Census Block Group	3
Census Block	3007
Census Tract	21400

Owner

44 Harper Ter is owned and occupied by two individuals who bought it in May 2015.

Source: Essex County and Cedar Grove Township records, as of July 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	44 HARPER TER, CEDAR GROVE, NJ 07009-2223
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
May 6, 2022	Deed of Trust, Mortgage · Line of Credit VAST BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2015 · Amount on File
Deed Sale	May 27, 2015 · Amount on File
Prior Sale	May 24, 2012 · Amount on File
Deed Document Number	201540935
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	44 HARPER TER, CEDAR GROVE, NJ 07009-2223
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	BETTERS TITLE AND SETMNT ORT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000108650
Date	Nov 2, 2020
Instrument	2020108650

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	44 HARPER TER, CEDAR GROVE, NJ 07009-2223
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 HARPER TER, CEDAR GROVE, NJ 07009-2223

Mortgage

Document Number	0000045539
Date	May 6, 2022
Instrument	2022045539

Lender

Name	VAST BANK NA
Type	Bank
Address	WAYNE, NJ 07470

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 44 Harper Ter was $10,818, up 2.8% from the year before.

Source: Essex County and Cedar Grove Township assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Essex County
County Subdivision	Cedar Grove Township
Unified School District	Cedar Grove Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$689,400 (+71.24%) Land $371,700 Building $317,700	$689,400 (+71.24%) Land $371,700 Building $317,700
2025	$10,818.00 (+2.8%)	$402,600 Land $238,900 Building $163,700	$402,600 Land $238,900 Building $163,700
2024	$10,523.00
2023		$402,600 Land $238,900 Building $163,700	$402,600 Land $238,900 Building $163,700
2022	$10,322.00

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

Flood

FEMA maps place 44 Harper Ter in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	1 in force

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 44 Harper Ter 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 98% of the US · lower than 94% 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	CEDAR GROVE WATER DEPT serves 12,900 people · EPA ID NJ0704001
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2024
Monitoring and Reporting	3 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 474 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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