Essex County and Cedar Grove Township property record for 48 Bruce Ct, Cedar Grove, NJ 07009
| Property Type | Single Family Home |
|---|---|
| Details | 2,392 sqft · built 1953 |
| Lot Size | 0.27 acres (11,739 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $689,000 (Sep 2018) |
| Tax Bill | $16,119 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Sep 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-00222-0000-00109 |
| Primary APN | 04-00222-0000-00109 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,392 sqft Living Area |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Construction Type | Frame |
| Lot Area | 11,739 sqft (0.27 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Old Parcel Number | 040022200109 |
|---|---|
| Street Address | 48 BRUCE CT |
| City | CEDAR GROVE |
| State | NJ |
| Zip | 07009-1717 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 11739 SQ FT |
| Legal Block | 222 |
| Legal Lot Number | 109 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | CEDAR GROVE |
| Census Block Group | 6 |
| Census Block | 6006 |
| Census Tract | 21400 |
48 Bruce Ct is owned and occupied by two individuals who bought it in September 2018.
Source: Essex County and Cedar Grove Township records, as of July 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 48 BRUCE CT, CEDAR GROVE, NJ 07009-1717 |
| 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.
| Date | Document |
|---|---|
| May 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Sep 18, 2018 | Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| Apr 17, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 18, 2018 · Amount on File |
| Deed Sale | Sep 18, 2018 · Amount on File |
| Prior Sale | Apr 17, 2017 · Amount on File |
| Deed Document Number | 201880772 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 48 BRUCE CT, CEDAR GROVE, NJ 07009-1717 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021064129 |
|---|---|
| Date | May 20, 2021 |
| Instrument | 2021064129 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Jun 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.25% |
| Index | 1-Year LIBOR |
| Max Rate | 8.25% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Sep 18, 2018 |
| Property Address | 48 BRUCE CT, CEDAR GROVE, NJ 07009-1717 |
| Document Number | 0000080772 |
| Instrument Date | Sep 5, 2018 |
| Instrument | 80772 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2018 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $689.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 48 BRUCE CT CEDAR GROVE NJ 070091717, CEDAR GROVE, NJ 07009-1717 |
| Document Number | 80774 |
|---|---|
| Date | Sep 18, 2018 |
| Instrument | 80774 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 3.87% |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Apr 17, 2017 |
| Property Address | 48 BRUCE CT, CEDAR GROVE, NJ 07009-1717 |
| Document Number | 0000033341 |
| Instrument Date | Mar 24, 2017 |
| Instrument | 33341 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $350.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2 MARTINS LN FAIRFIELD NJ 070042112, FAIRFIELD, NJ 07004-2112 |
The 2025 property tax bill for 48 Bruce Ct was $16,119, up 2.8% from the year before.
Source: Essex County and Cedar Grove Township assessment roll, as of July 2, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Essex County |
| County Subdivision | Cedar Grove Township |
| Unified School District | Cedar Grove Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $750,100 (+25.04%) Land $312,100 Building $438,000 | $750,100 (+25.04%) Land $312,100 Building $438,000 | |
| 2025 | $16,119.00 (+2.79%) | $599,900 Land $243,500 Building $356,400 | $599,900 Land $243,500 Building $356,400 |
| 2024 | $15,681.00 | ||
| 2023 | $599,900 Land $243,500 Building $356,400 | $599,900 Land $243,500 Building $356,400 | |
| 2022 | $15,381.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 48 Bruce Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.
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 | 3 in force |
| Nearby Flood Claims | 1 (2021) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
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 risk around 48 Bruce Ct 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 95% of the US · lower than 87% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 359 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 |
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