46 Cromwell Ct, Berkeley Heights, NJ 07922 Property Records

Union County and Berkeley Heights Township property record for 46 Cromwell Ct, Berkeley Heights, NJ 07922

Property Summary

Property Type	Single Family Home
Details	4,201 sqft · built 2019
Lot Size	0.404 acres (17,598 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Jun 2019)
Tax Bill	$25,693 (2025)
Deeds & Mortgages	May 2026 Line of Credit Apr 2021 Line of Credit + 5 more
Flood Zone	Zone X (moderate risk)
APN	`01-01601-0000-00010`

Property Details

APN / Parcel Number

Primary APN	`01-01601-0000-00010`
Alternative APN	`010160100010`

Interior

Stories	2 Stories
Building Area	4,201 sqft Living Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Construction Type	Frame
Lot Area	17,598 sqft (0.404 acres)
Lot Dimensions	220 ft deep x 80 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	46 CROMWELL CT
City	BERKELEY HEIGHTS
State	NJ
Zip	07922-1829
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Subdivision	BERKELEY GARDENS SEC 04
Legal Block	1601
Legal Lot Number	10
Jurisdiction	UNION NJ
Township / Civil Division	BERKELEY HEIGHTS
Census Block Group	1
Census Block	1003
Census Tract	38202

Owner

Source: Union County and Berkeley Heights 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	46 CROMWELL CT, BERKELEY HEIGHTS, NJ 07922-1829
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK INC
Apr 8, 2021	Deed of Trust, Mortgage · Line of Credit ADVANCED FINANCIAL FCU
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jul 25, 2019	Deed of Trust, Mortgage · Construction Mortgage UNITY BANK
Dec 11, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 24, 2019	Loan Modification, Mortgage UNITY BK
Jun 18, 2019	Deed, Transfer AGENT FOR CHICAGO TTL INS CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2019 · Amount on Record
Deed Sale	Jun 18, 2019 · Amount on Record
Deed Document Number	2019313989
Deed Book / Page	6327 / 266
Prior Transfer Date	Feb 8, 2001
Prior Transfer Doc	0050850172
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Recording Date	May 27, 2026
Property Address	46 CROMWELL CT, BERKELEY HEIGHTS, NJ 07922-1829
Document Number	0000092898
Book / Page	15806 / 2890
Instrument Date	May 12, 2026
Instrument	202692898
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 CROMWELL CT, BERKELEY HEIGHTS, NJ 07922-1829

Mortgage

Document Number	0000092898,
Date	May 27, 2026
Book Page	15806/2890
Instrument	202692898

Lender

Name	CITIZENS BANK INC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 17, 2051

Interest

Rate	6.3%
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	46 CROMWELL CT, BERKELEY HEIGHTS, NJ 07922-1829
Transaction Type	Mortgage
Record Updated	Apr 22, 2021
Title Company	ACRES LAND TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0149310097
Date	Apr 8, 2021
Book Page	14931/97
Instrument	9026

Lender

Name	ADVANCED FINANCIAL FCU
Type	Credit Union
Address	NEW PROVIDENCE, NJ 07974

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 7, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	46 CROMWELL CT, BERKELEY HEIGHTS, NJ 07922-1829
Transaction Type	Mortgage
Record Updated	Feb 16, 2021
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0148742433
Date	Feb 2, 2021
Book Page	14874/2433
Instrument	3153

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	46 CROMWELL CT, BERKELEY HEIGHTS, NJ 07922-1829
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0145772846
Date	Jul 25, 2019
Book Page	14577/2846
Instrument	675957

Lender

Name	UNITY BANK
Type	Bank
Address	CLINTON, NJ 08809

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	18 Months
Due	Jan 23, 2021

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UNION NJ
Recording Date	Dec 11, 2019
Property Address	46 CROMWELL CT, BERKELEY HEIGHTS, NJ 07922-1829
Document Number	0063512145
Book / Page	006351 / 002145
Instrument Date	Dec 2, 2019
Instrument	320020
Transaction Type	Transfer
Record Updated	Dec 31, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	267 E 1ST AVE ROSELLE NJ 072031301, ROSELLE, NJ 07203-1301

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	UNION NJ
Property Address	46 CROMWELL CT, BERKELEY HEIGHTS, NJ 07922-1829
Document Number	0146132301
Instrument Date	Oct 24, 2019
Transaction Type	Mortgage
Record Updated	Nov 18, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	46 CROMWELL CT BERKELEY HEIGHTS NJ 079221829, BERKELEY HEIGHTS, NJ 07922-1829

Mortgage

Document Number	0146132301
Date	Nov 1, 2019
Book Page	014613/002301
Instrument	681116

Lender

Name	UNITY BK
Type	Bank
Address	CLINTON, NJ 08809

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Oct 31, 2021

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Jun 18, 2019
Property Address	46 CROMWELL CT, BERKELEY HEIGHTS, NJ 07922-1829
Document Number	0063270266
Book / Page	6327 / 0266
Map Reference	MAP 481D
Instrument Date	Jun 4, 2019
Instrument	313989
Transaction Type	Transfer
Record Updated	Nov 4, 2021
Title Company	AGENT FOR CHICAGO TTL INS CO

Transaction

Amount	Amount Recorded
Tax	$1,495.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	46 CROMWELL CT, 46, BERKELEY HEIGHTS, NJ 07922-1829

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 CROMWELL CT, BERKELEY HEIGHTS, NJ 07922-1829

Tax Assessment & Valuation

Source: Union County and Berkeley Heights Township assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Union County
County Subdivision	Berkeley Heights Township
Unified School District	Berkeley Heights Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$583,800 (-) Land $156,200 Building $427,600	$583,800 (-) Land $156,200 Building $427,600
2025	$25,693.00 (+2.66%)	$583,800 (-) Land $156,200 Building $427,600	$583,800 (-) Land $156,200 Building $427,600
2024	$25,028.00 (+2.1%)
2023		$583,800 Land $156,200 Building $427,600	$583,800 Land $156,200 Building $427,600
2022	$24,513.00

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

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 29 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	4 (1996–2025)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Jul 2025 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 85% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 - SHORT HILLS private · serves 217,230 people · EPA ID NJ0712001
Water Source	Surface water
Last State Inspection	Nov 2022
Lead	3 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	1 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 236 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Optimum.

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