Middlesex County and Edison Township property record for 116 Harding Ave, Edison, NJ 08820
| Property Type | Single Family Home |
|---|---|
| Details | 3,310 sqft · built 2003 |
| Lot Size | 0.367 acres (16,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $625,000 (Jan 2004) |
| Tax Bill | $23,744 (2025) |
| Deeds & Mortgages | Nov 2017 Mortgage May 2021 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05 00556-B-00020 |
| Primary APN | 05 00556-B-00020 |
|---|---|
| Alternative APNs |
|
| Building Area | 3,310 sqft Living Area |
|---|
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Lot Area | 16,000 sqft (0.367 acres) |
| Lot Dimensions | 200 ft deep x 80 ft wide |
| Street Address | 116 HARDING AVE |
|---|---|
| City | EDISON |
| State | NJ |
| Zip | 08820-2523 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RBB |
| Legal Description | 80X200 |
| Legal Subdivision | OAK TREE TERRACE |
| Legal Block | 556.2 |
| Legal Lot Number | 20.1 |
| Jurisdiction | MIDDLESEX NJ |
| Township / Civil Division | EDISON |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 1415 |
Source: Middlesex County and Edison Township records, as of June 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 116 HARDING AVE, EDISON, NJ 08820-2523 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 17, 2017 | Deed of Trust, Mortgage · ARM CITIBANK NA |
| May 14, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 7, 2004 · Amount on Record |
| Deed Sale | Jan 7, 2004 · Amount on Record |
| Prior Sale | Nov 16, 1995 · Amount on Record |
| Deed Book / Page | 5260 / 813 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 116 HARDING AVE, EDISON, NJ 08820-2523 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2022 |
| Title Company | TITLE SOURCE INC |
| Name | Verified Name |
|---|
| Document Number | 0000004466 |
|---|---|
| Date | Nov 17, 2017 |
| Book Page | 17012/1106 |
| Instrument | 201700004466 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Address | O FALLON, MO 63368 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Type Change Date | Nov 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.87% |
| Index | 1-Year LIBOR |
| Max Rate | 8.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 116 HARDING AVE, EDISON, NJ 08820-2523 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2022 |
| Title Company | SERVICELINK TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000065301 |
|---|---|
| Date | May 14, 2021 |
| Book Page | 18443/330 |
| Instrument | 2021065301 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 6, 2051 |
Source: Middlesex County and Edison Township assessment roll, as of June 30, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Middlesex County |
| County Subdivision | Edison Township |
| Unified School District | Edison Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $399,000 (-) Land $90,000 Building $309,000 | $399,000 (-) Land $90,000 Building $309,000 | |
| 2025 | $23,744.00 (-0.03%) | $399,000 (-) Land $90,000 Building $309,000 | $399,000 (-) Land $90,000 Building $309,000 |
| 2024 | $23,752.00 (+0.51%) | ||
| 2023 | $399,000 Land $90,000 Building $309,000 | $399,000 Land $90,000 Building $309,000 | |
| 2022 | $23,632.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective December 16, 2021 · 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 | 2 in force |
| Nearby Flood Claims | 5 (1979–2021) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 89% 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.
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 145 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Xfinity Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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