Somerset County and Somerville Borough property record for 45 E Cliff St, Somerville, NJ 08876
| Property Type | Single Family Home |
|---|---|
| Details | 1,386 sqft · built 1930 |
| Lot Size | 0.108 acres (4,722 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $477,000 (Jun 2023) |
| Tax Bill | $11,539 (2025) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Apr 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-00075-0000-00007-01 |
| Primary APN | 18-00075-0000-00007-01 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,386 sqft Living Area |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Construction Type | Frame |
| Lot Area | 4,722 sqft (0.108 acres) |
| Lot Dimensions | 118 ft deep x 40 ft wide |
| Parking Spaces | 1 Parking Space |
| Old Parcel Number | 1800075000000007A |
|---|---|
| Street Address | 45 E CLIFF ST |
| City | SOMERVILLE |
| State | NJ |
| Zip | 08876-1908 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | OOMER F SVILLE |
| Legal Block | 75 |
| Legal Lot Number | 7.1 |
| Jurisdiction | SOMERSET NJ |
| Township / Civil Division | SOMERVILLE |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 50200 |
Source: Somerset County and Somerville Borough records · APN 18-00075-0000-00007-01
Assessment roll updated July 7, 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 | 45 E CLIFF ST, SOMERVILLE, NJ 08876-1908 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 27, 2023 | Deed, Transfer · Conventional Mortgage NEW JERSEY LENDERS CORP |
| Apr 10, 2023 | Deed of Trust, Mortgage · Line of Credit MOVEMENT MORTGAGE |
| May 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Nov 19, 2018 | Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 13, 2018 | Grant Deed, Transfer RENEWAL PRIVATE LNDG LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 27, 2023 · Amount on Record |
| Deed Sale | Jun 27, 2023 · Amount on Record |
| Prior Sale | Nov 19, 2018 · Amount on Record |
| Deed Document Number | 202315974 |
| Deed Book / Page | 7511 / 1709 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Recording Date | Jun 27, 2023 |
| Property Address | 45 E CLIFF ST, SOMERVILLE, NJ 08876-1908 |
| Document Number | 0000015974 |
| Book / Page | 7511 / 1709 |
| Instrument Date | Jun 09, 2023 |
| Instrument | 2023015974 |
| Transaction Type | Transfer |
| Record Updated | Jul 10, 2023 |
| Title Company | SIMPLICITY TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,954.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 45 E CLIFF ST, SOMERVILLE, NJ 08876-1908 |
| Name | Verified Name |
|---|---|
| Address | 45 E CLIFF ST, SOMERVILLE, NJ 08876-1908 |
| Document Number | 0000015975 |
|---|---|
| Date | Jun 27, 2023 |
| Book Page | 7511/1714 |
| Instrument | 2023015975 |
| Name | NEW JERSEY LENDERS CORP |
|---|---|
| Type | Mortgage Company |
| Address | LITTLE FALLS, NJ 07424 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Property Address | 45 E CLIFF ST, SOMERVILLE, NJ 08876-1908 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000008761 |
|---|---|
| Date | Apr 10, 2023 |
| Book Page | 7500/2027 |
| Instrument | 2023008761 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FORT MILL, SC 29707 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 28, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Property Address | 45 E CLIFF ST, SOMERVILLE, NJ 08876-1908 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000030616 |
|---|---|
| Date | May 14, 2021 |
| Book Page | 7342/1443 |
| Instrument | 2021030616 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 01, 2036 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Recording Date | Nov 19, 2018 |
| Property Address | 45 E CLIFF ST, SOMERVILLE, NJ 08876-1908 |
| Document Number | 0000043350 |
| Book / Page | 7084 / 2132 |
| Instrument Date | Nov 19, 2018 |
| Instrument | 2018043350 |
| Transaction Type | Transfer |
| Record Updated | Nov 05, 2021 |
| Title Company | PROPERTY TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,910.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 425 AMWELL RD STE 2, 425, HILLSBOROUGH, NJ 08844-1213 |
| Name | Verified Name |
|---|---|
| Address | 45 E CLIFF ST, SOMERVILLE, NJ 08876-1908 |
| Document Number | 0000043351 |
|---|---|
| Date | Nov 19, 2018 |
| Instrument | 2018043351 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Recording Date | Feb 13, 2018 |
| Property Address | 45 E CLIFF ST, SOMERVILLE, NJ 08876-1908 |
| Document Number | 0000005842 |
| Book / Page | 007024 / 000943 |
| Instrument Date | Dec 15, 2017 |
| Instrument | 5842 |
| Transaction Type | Transfer |
| Record Updated | Feb 26, 2018 |
| Title Company | INVESTORS FIRST TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $175.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 425 AMWELL RD #2 HILLSBOROUGH NJ 088441213, 2, HILLSBOROUGH, NJ 08844-1213 |
| Document Number | 5843 |
|---|---|
| Date | Feb 13, 2018 |
| Book Page | 007024/000948 |
| Instrument | 5843 |
| Name | RENEWAL PRIVATE LNDG LLC |
|---|---|
| Address | OCEAN, NJ 07712 |
| Amount | Amount Recorded |
|---|
Source: Somerset County and Somerville Borough records · Assessment roll updated July 7, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Somerset County |
| Municipality | Somerville Borough |
| Unified School District | Somerville Borough 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 | $282,900 (-) Land $125,700 Building $157,200 | $282,900 (-) Land $125,700 Building $157,200 | |
| 2025 | $11,539.00 (+3.18%) | $282,900 (-) Land $125,700 Building $157,200 | $282,900 (-) Land $125,700 Building $157,200 |
| 2024 | $11,183.00 (+5.11%) | ||
| 2023 | $282,900 (+2.06%) Land $125,700 Building $157,200 | $282,900 (+2.06%) Land $125,700 Building $157,200 | |
| 2022 | $10,639.00 (+2.71%) | $277,200 Land $125,700 Building $151,500 | $277,200 Land $125,700 Building $151,500 |
| 2021 | $10,358.00 |
Source: FEMA National Flood Hazard Layer as of September 3, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 28 units insured incl. 22 condo units |
| Nearby Flood Claims | 11 (1999–2021) |
| Claims Outside the SFHA | 6 of 11 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
| Wildfire Risk | Low lower than 94% of the US · lower than 83% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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) |
|---|---|
| Optimum Communications Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T.
Based on FCC filings for 453 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System 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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