1148 Prospect St, Ewing (Trenton), NJ 08638 Property Records

Mercer County and Ewing Township property record for 1148 Prospect St, Ewing, NJ 08638

Property Summary

Property Type	Single Family Home
Details	1,066 sqft · built 1918
Lot Size	0.199 acres (8,651 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Feb 2019)
Tax Bill	$3,245 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-00028-0000-00019`

Property Details

APN / Parcel Number

Primary APN	`02-00028-0000-00019`
Alternative APNs	`020002800019` `00230300`

Interior

Building Area	1,066 sqft Living Area

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Architectural Style	Colonial
Exterior Material	Concrete
Construction Type	Frame
Lot Area	8,651 sqft (0.199 acres)
Lot Dimensions	173 ft deep x 50 ft wide

Location & Zoning

Account Number	00230300
Street Address	1148 PROSPECT ST
City	EWING
State	NJ
Zip	08638-4806
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	28
Legal Lot Number	19
Jurisdiction	MERCER NJ
Township / Civil Division	EWING
Census Block Group	2
Census Block	2040
Census Tract	3400

Owner

1148 Prospect St is owned and occupied by an individual who bought it in February 2019.

Source: Mercer County and Ewing Township records, as of July 6, 2026

Owner of Record	Individual Name on File
Mailing Address	1148 PROSPECT ST, EWING, NJ 08638-4806
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
Apr 13, 2023	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC
Feb 26, 2019	Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2019 · Amount on File
Deed Sale	Feb 26, 2019 · Amount on File
Prior Sale	Mar 16, 2015 · Amount on File
Deed Document Number	20198137
Deed Book / Page	6358 / 1880
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER NJ
Property Address	1148 PROSPECT ST, EWING, NJ 08638-4806
Transaction Type	Mortgage
Record Updated	Apr 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013766
Date	Apr 13, 2023
Book Page	11804/1778
Instrument	2023013766

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	May 4, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MERCER NJ
Recording Date	Feb 26, 2019
Property Address	1148 PROSPECT ST, EWING, NJ 08638-4806
Document Number	0000008137
Book / Page	06358 / 1880
Instrument Date	Feb 8, 2019
Instrument	2019008137
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	RARITAN VALLEY TITLE EXAMINE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	738 CYPRESS AVE, 738, LAKEWOOD, NJ 08701-5315

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1148 PROSPECT ST, EWING, NJ 08638-4806

Mortgage

Document Number	0000008138
Date	Feb 26, 2019
Book Page	11394/1140
Instrument	2019008138

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1148 Prospect St was $3,245, up 3% from the year before.

Source: Mercer County and Ewing Township assessment roll, as of July 6, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Mercer County
County Subdivision	Ewing Township
Unified School District	Ewing Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$80,100 (-) Land $21,800 Building $58,300	$80,100 (-) Land $21,800 Building $58,300
2025	$3,245.00 (+3.02%)	$80,100 Land $21,800 Building $58,300	$80,100 Land $21,800 Building $58,300
2024	$3,150.00
2023		$80,100 Land $21,800 Building $58,300	$80,100 Land $21,800 Building $58,300
2022	$2,881.00

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

Flood

FEMA maps place 1148 Prospect St in Zone X, an area of minimal flood risk, though there have been 139 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective May 23, 2024 · 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
Flood Insurance Cost	Premium on File median of 28 policies
Nearby Flood Policies	28 in force
Nearby Flood Claims	139 (1978–2026)
Claims Outside the SFHA	17 of 139
Most Recent Claim	Aug 2026 · rainfall accumulation
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 10 claims Hurricane Irene, Aug 2011 · 14 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 7 claims

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

The area around 1148 Prospect 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TRENTON WATER WORKS serves 217,000 people · EPA ID NJ1111001
Water Source	Surface water
Lead	6 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator, with a treatment or procedure violation still open.

Water Quality	Total trihalomethanes not recorded as resolved · Oct 2024 Turbidity resolved · Jul 2021 Haloacetic acids resolved · Jul 2018
Treatment and Procedure	Lead service line replacement currently in violation since May 2020 Corrosion control Jan 2021 Lead public education Jan 2019
Monitoring and Reporting	36 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 683 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Optimum.

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