54 Harper Ter, Cedar Grove, NJ 07009 Property Records

Essex County and Cedar Grove Township property record for 54 Harper Ter, Cedar Grove, NJ 07009

Property Summary

Property Type	Single Family Home
Details	2,165 sqft · built 1926
Lot Size	0.2 acres (8,695 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Sep 2021)
Tax Bill	$12,126 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Sep 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`04-00026-0000-00011`

Property Details

APN / Parcel Number

Primary APN	`04-00026-0000-00011`
Alternative APN	`040002600011`

Interior

Stories	1 Story
Building Area	2,165 sqft Living Area

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Construction Type	Frame
Lot Area	8,695 sqft (0.2 acres)
Lot Dimensions	161 ft deep x 54 ft wide

Location & Zoning

Old Parcel Number	040002600011
Street Address	54 HARPER TER
City	CEDAR GROVE
State	NJ
Zip	07009-2223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	54X161
Legal Block	26
Legal Lot Number	11
Jurisdiction	ESSEX NJ
Township / Civil Division	CEDAR GROVE
Census Block Group	3
Census Block	3007
Census Tract	21400

Owner

54 Harper Ter is owned and occupied by two individuals who bought it in September 2021.

Source: Essex County and Cedar Grove Township records, as of July 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	54 HARPER TER, CEDAR GROVE, NJ 07009-2223
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
Jul 20, 2021	Deed, Transfer · FHA Mortgage ABSOLUTE HOME MORTGAGE CORP
Sep 3, 2021	Warranty Deed, Transfer KENWORTH TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2021 · Amount on File
Deed Sale	Sep 3, 2021 · Amount on File
Prior Sale	Jul 20, 2021 · Amount on File
Deed Document Number	2021108755
Record Updated	Sep 20, 2026

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Jul 20, 2021
Property Address	54 HARPER TER, CEDAR GROVE, NJ 07009-2223
Document Number	2021088340
Instrument Date	Jul 6, 2021
Instrument	2021088340
Transaction Type	Transfer
Record Updated	Sep 13, 2021
Title Company	KENWORTH TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	54 HARPER TER, 54, CEDAR GROVE, NJ 07009-2223

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	54 HARPER TER, CEDAR GROVE, NJ 07009-2223

Mortgage

Document Number	2021088341
Date	Jul 20, 2021
Instrument	2021088341

Lender

Name	ABSOLUTE HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESSEX NJ
Recording Date	Sep 3, 2021
Property Address	54 HARPER TER, CEDAR GROVE, NJ 07009-2223
Document Number	0000108755
Instrument Date	Jul 6, 2021
Instrument	2021108755
Transaction Type	Transfer
Record Updated	Jan 6, 2022
Title Company	KENWORTH TITLE LLC

Transaction

Amount	Amount on Record
Tax	$1,375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	181 LONG HILL RD # RDR3, 181, LITTLE FALLS, NJ 07424-2050

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 HARPER TER, CEDAR GROVE, NJ 07009-2223

Tax Assessment & Valuation

The 2025 property tax bill for 54 Harper Ter was $12,126, up 2.8% from the year before.

Source: Essex County and Cedar Grove Township assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Essex County
County Subdivision	Cedar Grove Township
Unified School District	Cedar Grove Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$756,500 (+67.63%) Land $384,700 Building $371,800	$756,500 (+67.63%) Land $384,700 Building $371,800
2025	$12,126.00 (+2.8%)	$451,300 Land $244,100 Building $207,200	$451,300 Land $244,100 Building $207,200
2024	$11,796.00
2023		$451,300 Land $244,100 Building $207,200	$451,300 Land $244,100 Building $207,200
2022	$11,571.00

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

Flood

FEMA maps place 54 Harper Ter in Zone X, an area of minimal flood risk.

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	1 in force

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 54 Harper Ter 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 474 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

May also be available: Xfinity.

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