46 Wall St, Cranford, NJ 07016 Property Records

Union County and Cranford Township property record for 46 Wall St, Cranford, NJ 07016

Property Summary

Property Type	Single Family Home
Details	12,923 sqft · built 1927
Lot Size	0.092 acres (3,999 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Jul 2005)
Tax Bill	$9,473 (2025)
Deeds & Mortgages	Jul 2016 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-00598-0000-00005`

Property Details

APN / Parcel Number

Primary APN	`03-00598-0000-00005`
Alternative APNs	`030059800005` `7220007`

Interior

Stories	2 Stories

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Construction Type	Frame
Lot Area	3,999 sqft (0.092 acres)
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	7220007
Street Address	46 WALL ST
City	CRANFORD
State	NJ
Zip	07016-3442
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CRANFORD HEIGHTS
Legal Block	598
Legal Lot Number	5
Jurisdiction	UNION NJ
Township / Civil Division	CRANFORD
Census Block Group	1
Census Block	1004
Census Tract	37300

Owner

46 Wall St is owned and occupied by two individuals who bought it in July 2005.

Source: Union County and Cranford Township records, as of July 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	46 WALL ST, CRANFORD, NJ 07016-3442
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2005 · Amount on File
Deed Sale	Jul 19, 2005 · Amount on File
Prior Sale	Jun 8, 2004 · Amount on File
Deed Book / Page	5517 / 468
Prior Transfer Date	Aug 16, 2000
Prior Transfer Doc	0000085109
Record Updated	Oct 29, 2026

July 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	46 WALL ST, CRANFORD, NJ 07016-3442
Document Number	0142272074
Book / Page	014227 / 002074
Instrument Date	Jul 13, 2016
Transaction Type	Mortgage
Record Updated	Mar 28, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	46 WALL ST CRANFORD NJ 070163442, CRANFORD, NJ 07016-3442

Mortgage

Document Number	0142272074
Date	Feb 1, 2017
Book Page	014227/002074
Instrument	635926

Lender

Name	AMERICAN FED'L MTG
Type	Mortgage Company
Address	CHESTER, NJ 07930

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 31, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 46 Wall St was $9,473, 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		$130,700 (-) Land $62,800 Building $67,900	$130,700 (-) Land $62,800 Building $67,900
2025	$9,473.00 (+6.92%)	$130,700 Land $62,800 Building $67,900	$130,700 Land $62,800 Building $67,900
2024	$8,860.00
2023		$130,700 Land $62,800 Building $67,900	$130,700 Land $62,800 Building $67,900
2022	$8,641.00

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 46 Wall St in Zone X, an area of minimal flood risk, though there have been 46 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File median of 29 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	46 (1978–2021)
Claims Outside the SFHA	33 of 46
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 11 claims Hurricane Irene, Sep 2011 · 15 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 6 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 46 Wall 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 349 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20