48 Morse St, Cranford, NJ 07016 Property Records

Union County and Cranford Township property record for 48 Morse St, Cranford, NJ 07016

Property Summary

Property Type	Single Family Home
Details	1,478 sqft · built 1960
Lot Size	0.198 acres (8,616 sqft)
Owner	2 Individual Names on File
Last Sale	$520,000 (Dec 2022)
Tax Bill	$13,858 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-00448-0000-00007`

Property Details

APN / Parcel Number

Primary APN	`03-00448-0000-00007`
Alternative APNs	`030044800007` `4924009`

Interior

Stories	1 Story
Building Area	1,478 sqft Living Area
1st Floor Area	1,478 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Construction Type	Frame
Lot Area	8,616 sqft (0.198 acres)
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	4924009
Street Address	48 MORSE ST
City	CRANFORD
State	NJ
Zip	07016-2751
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	ADDITION TO HLNDS
Legal Block	448
Legal Lot Number	7
Jurisdiction	UNION NJ
Township / Civil Division	CRANFORD
Census Block Group	4
Census Block	4016
Census Tract	37400

Owner

48 Morse St is owned and occupied by two individuals who bought it in December 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	48 MORSE ST, CRANFORD, NJ 07016-2751
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

Date	Document
Sep 16, 2025	Deed of Trust, Mortgage · VA Mortgage RED OAK MORTGAGE INC
Dec 9, 2022	Deed, Transfer · VA Mortgage RED OAK MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2022 · Amount on File
Deed Sale	Dec 9, 2022 · Amount on File
Prior Sale	Jan 14, 1975 · Amount on File
Deed Document Number	202225029
Deed Book / Page	6492 / 2484
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	48 MORSE ST, CRANFORD, NJ 07016-2751
Transaction Type	Mortgage
Record Updated	Oct 3, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 MORSE ST, CRANFORD, NJ 07016-2751

Mortgage

Document Number	0156930032
Date	Sep 16, 2025
Book Page	15693/32
Instrument	83054

Lender

Name	RED OAK MORTGAGE INC
Type	Mortgage Company
Address	ADELPHIA, NJ 07710

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Dec 9, 2022
Property Address	48 MORSE ST, CRANFORD, NJ 07016-2751
Document Number	0064922484
Book / Page	6492 / 2484
Instrument Date	Nov 29, 2022
Instrument	25029
Transaction Type	Transfer
Record Updated	Oct 20, 2025
Title Company	FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,367.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25 CAMBRIDGE RD, FREEHOLD, NJ 07728-3171

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 MORSE ST, CRANFORD, NJ 07016-2751

Mortgage

Document Number	0000046422
Date	Dec 9, 2022
Instrument	46422

Lender

Name	RED OAK MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 48 Morse St was $13,858, 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		$191,200 (-) Land $85,800 Building $105,400	$191,200 (-) Land $85,800 Building $105,400
2025	$13,858.00 (+6.92%)	$191,200 Land $85,800 Building $105,400	$191,200 Land $85,800 Building $105,400
2024	$12,961.00
2023		$191,200 (-) Land $85,800 Building $105,400	$191,200 (-) Land $85,800 Building $105,400
2022	$12,642.00	$191,200 Land $85,800 Building $105,400	$191,200 Land $85,800 Building $105,400

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 48 Morse St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2011 · Hurricane Irene

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 48 Morse 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 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.

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 535 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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