Union County and Clark Township property record for 45 Charles St, Clark, NJ 07066
| Property Type | Single Family Home |
|---|---|
| Details | 1,299 sqft · built 1962 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $9,997 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Jan 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-00084-0000-00010 |
| Primary APN | 02-00084-0000-00010 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,299 sqft Living Area |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Construction Type | Frame |
| Lot Area | 7,501 sqft (0.172 acres) |
| Lot Dimensions | 100 ft deep x 75 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 45 CHARLES ST |
|---|---|
| City | CLARK |
| State | NJ |
| Zip | 07066-2403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R100 |
| Legal Block | 84 |
| Legal Lot Number | 10 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | CLARK |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 36200 |
Source: Union County and Clark Township records, as of July 8, 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 Record |
|---|---|
| Mailing Address | 45 CHARLES ST, CLARK, NJ 07066-2403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Jan 12, 2017 | Deed of Trust, Mortgage · FHA Mortgage 1ST CONSTITUTION BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 12, 1994 |
| Transfer Doc | 0000012147 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 45 CHARLES ST, CLARK, NJ 07066-2403 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0150232984 |
|---|---|
| Date | Aug 2, 2021 |
| Book Page | 15023/2984 |
| Instrument | 17808 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 45 CHARLES ST, CLARK, NJ 07066-2403 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WESTCOR LAND TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0142180396 |
|---|---|
| Date | Jan 12, 2017 |
| Book Page | 14218/0396 |
| Instrument | 634913 |
| Name | 1ST CONSTITUTION BANK |
|---|---|
| Type | Bank |
| Address | CRANBURY, NJ 08512 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2047 |
Source: Union County and Clark Township assessment roll, as of July 8, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Union County |
| County Subdivision | Clark Township |
| Unified School District | Clark Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $440,600 (-) Land $225,000 Building $215,600 | $440,600 (-) Land $225,000 Building $215,600 | |
| 2025 | $9,997.00 (+2.49%) | $440,600 (-) Land $225,000 Building $215,600 | $440,600 (-) Land $225,000 Building $215,600 |
| 2024 | $9,754.00 (+4.53%) | ||
| 2023 | $440,600 Land $225,000 Building $215,600 | $440,600 Land $225,000 Building $215,600 | |
| 2022 | $9,331.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Policies | 3 units insured incl. 2 condo units |
| Nearby Flood Claims | 10 (1999–2025) |
| Claims Outside the SFHA | 6 of 10 |
| Most Recent Claim | Oct 2025 · other causes |
| Claims by Event |
|
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: 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 668 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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