82 Harper Ter, Cedar Grove, NJ 07009 Property Records

Essex County and Cedar Grove Township property record for 82 Harper Ter, Cedar Grove, NJ 07009

Property Summary

Property Type	Single Family Home
Details	1,482 sqft · built 1954
Lot Size	0.224 acres (9,749 sqft)
Owner	Individual Name on File
Last Sale	$730,000 (Oct 2025)
Tax Bill	$10,407 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-00023-0000-00014`

Property Details

APN / Parcel Number

Primary APN	`04-00023-0000-00014`
Alternative APN	`040002300014`

Interior

Stories	2 Stories
Building Area	1,482 sqft Living Area
1st Floor Area	1,482 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Construction Type	Frame
Lot Area	9,749 sqft (0.224 acres)
Lot Dimensions	150 ft deep x 65 ft wide
Garage Type	Attached

Location & Zoning

Old Parcel Number	040002300014
Street Address	82 HARPER TER
City	CEDAR GROVE
State	NJ
Zip	07009-2228
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	65X150
Legal Subdivision	CEDAR GROVE
Legal Block	23
Legal Lot Number	14
Jurisdiction	ESSEX NJ
Township / Civil Division	CEDAR GROVE
Census Block Group	3
Census Block	3004
Census Tract	21400

Owner

82 Harper Ter is owned and occupied by an individual who bought it in October 2025.

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

Owner of Record	Individual Name on File
Mailing Address	82 HARPER TER, CEDAR GROVE, NJ 07009-2228
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Aug 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Oct 16, 2025	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jan 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage INVESTORS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2025 · Amount on File
Deed Sale	Oct 16, 2025 · Amount on File
Prior Sale	Aug 22, 1996 · Amount on File
Deed Document Number	202564645
Prior Transfer Date	Feb 20, 1990
Prior Transfer Doc	5117000604
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	82 HARPER TER, CEDAR GROVE, NJ 07009-2228
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000107466
Date	Aug 31, 2021
Instrument	2021107466

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Oct 16, 2025
Property Address	82 HARPER TER, CEDAR GROVE, NJ 07009-2228
Document Number	0000064645
Instrument Date	Oct 14, 2025
Instrument	2025064645
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,494.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	383 STANHOPE RD, SPARTA, NJ 07871-2814

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	82 HARPER TER, CEDAR GROVE, NJ 07009-2228

Mortgage

Document Number	0000064646
Date	Oct 16, 2025
Instrument	2025064646

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	82 HARPER TER, CEDAR GROVE, NJ 07009-2228
Document Number	0000006381
Instrument Date	Jan 11, 2019
Transaction Type	Mortgage
Record Updated	Apr 18, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	82 HARPER TER CEDAR GROVE NJ 070092228, CEDAR GROVE, NJ 07009-2228

Mortgage

Document Number	0000006381
Date	Jan 23, 2019
Instrument	6381

Lender

Name	INVESTORS BK
Type	Bank
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 22, 2029

Tax Assessment & Valuation

The 2025 property tax bill for 82 Harper Ter was $10,407, 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		$709,200 (+83.11%) Land $385,300 Building $323,900	$709,200 (+83.11%) Land $385,300 Building $323,900
2025	$10,407.00 (+2.8%)	$387,300 Land $244,100 Building $143,200	$387,300 Land $244,100 Building $143,200
2024	$10,124.00
2023		$387,300 Land $244,100 Building $143,200	$387,300 Land $244,100 Building $143,200
2022	$9,930.00

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

Flood

FEMA maps place 82 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 82 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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