Union County and Clark Township property record for 78 Joseph St, Clark, NJ 07066
| Property Type | Single Family Home |
|---|---|
| Details | 2,138 sqft · built 1951 |
| Lot Size | 0.142 acres (6,199 sqft) |
| Owner | Individual Name on File |
| Last Sale | $655,000 (Jun 2026) |
| Tax Bill | $10,800 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Jun 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-00108-0000-00063 |
| Primary APN | 02-00108-0000-00063 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,138 sqft Living Area |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Construction Type | Frame |
| Lot Area | 6,199 sqft (0.142 acres) |
| Lot Dimensions | 100 ft deep x 62 ft wide |
| Street Address | 78 JOSEPH ST |
|---|---|
| City | CLARK |
| State | NJ |
| Zip | 07066-2509 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-60 |
| Legal Subdivision | RAHWAY GARDENS |
| Legal Block | 108 |
| Legal Lot Number | 63 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | CLARK |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 36200 |
78 Joseph St is owned and occupied by an individual who bought it in June 2026.
Source: Union County and Clark Township records, as of July 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 78 JOSEPH ST, CLARK, NJ 07066-2509 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married |
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 |
|---|---|
| Jun 16, 2026 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NBRHD MORTGAGE ACCPTNC |
| Jun 16, 2026 | Bargain and Sale Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE ACCEPTANCE |
| Jan 24, 2023 | Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 16, 2026 · Amount on File |
| Deed Sale | Jun 16, 2026 · Amount on File |
| Prior Sale | Jan 24, 2023 · Amount on File |
| Deed Document Number | 202655594 |
| Deed Book / Page | 6622 / 2180 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Jun 16, 2026 |
| Property Address | 78 JOSEPH ST, CLARK, NJ 07066-2509 |
| Document Number | 0000093657 |
| Book / Page | 15816 / 2707 |
| Instrument Date | Jun 9, 2026 |
| Instrument | 202693657 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | CLEAR SKIES TITLE LLC, CLEAR SKIES TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000093657, |
|---|---|
| Date | Jun 16, 2026 |
| Book Page | 15816/2707 |
| Instrument | 202693657 |
| Name | AMERICAN NBRHD MORTGAGE ACCPTNC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Jun 16, 2026 |
| Property Address | 78 JOSEPH ST, CLARK, NJ 07066-2509 |
| Document Number | 0000055594 |
| Book / Page | 6622 / 2180 |
| Instrument Date | Jun 8, 2026 |
| Instrument | 202655594 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2026 |
| Title Company | CLEAR SKIES TITLE LLC, CLEAR SKIES TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $66,155.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 78 JOSEPH ST, CLARK, NJ 07066-2509 |
| Document Number | 0000093657, |
|---|---|
| Date | Jun 16, 2026 |
| Instrument | 202693657 |
| Name | AMERICAN MORTGAGE ACCEPTANCE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Jan 24, 2023 |
| Property Address | 78 JOSEPH ST, CLARK, NJ 07066-2509 |
| Document Number | 0064970287 |
| Book / Page | 6497 / 287 |
| Instrument Date | Jan 6, 2023 |
| Instrument | 26185 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2023 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,608.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 78 JOSEPH ST, CLARK, NJ 07066-2509 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 78 JOSEPH ST, CLARK, NJ 07066-2509 |
| Document Number | 0000048052 |
|---|---|
| Date | Jan 24, 2023 |
| Instrument | 48052 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2053 |
The 2025 property tax bill for 78 Joseph St was $10,800, up 2.5% from the year before.
Source: Union County and Clark Township assessment roll, as of July 8, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Union County |
| County Subdivision | Clark Township |
| Unified School District | Clark Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $476,000 (-) Land $286,000 Building $190,000 | $476,000 (-) Land $286,000 Building $190,000 | |
| 2025 | $10,800.00 (+2.49%) | $476,000 Land $286,000 Building $190,000 | $476,000 Land $286,000 Building $190,000 |
| 2024 | $10,538.00 | ||
| 2023 | $476,000 Land $286,000 Building $190,000 | $476,000 Land $286,000 Building $190,000 | |
| 2022 | $10,081.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 78 Joseph St in Zone X, an area of minimal flood risk, though there have been 2 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 |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 2 (1978–2021) |
| Claims Outside the SFHA | 1 of 2 |
| 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.
The area around 78 Joseph St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 535 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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