Middlesex County and Perth Amboy City property record for 118 Rector St, Perth Amboy, NJ 08861
| Property Type | Single Family Home |
|---|---|
| Details | 1,440 sqft · built 1919 |
| Lot Size | 0.053 acres (2,300 sqft) |
| Owner | Individual Name on File |
| Last Sale | $360,000 (Apr 2023) |
| Tax Bill | $7,777 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage Apr 2023 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-00026-0000-00039-03 |
| Primary APN | 16-00026-0000-00039-03 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,440 sqft Living Area |
| Year Built | Built 1919 |
|---|---|
| Effective Year Built | Effective 1919 |
| Exterior Material | Stucco |
| Lot Area | 2,300 sqft (0.053 acres) |
| Lot Dimensions | 100 ft deep x 23 ft wide |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Old Parcel Number | 1600026000000039C |
|---|---|
| Street Address | 118 RECTOR ST |
| City | PERTH AMBOY |
| State | NJ |
| Zip | 08861-4720 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R50 |
| Legal Description | 23X100 |
| Legal Block | 26 |
| Legal Lot Number | 39.3 |
| Jurisdiction | MIDDLESEX NJ |
| Township / Civil Division | PERTH AMBOY |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 5000 |
118 Rector St is owned and occupied by an individual who bought it in April 2023.
Source: Middlesex County and Perth Amboy City records, as of June 30, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 118 RECTOR ST, PERTH AMBOY, NJ 08861-4720 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 14, 2023 | Deed of Trust, Mortgage · Conventional Mortgage PANORAMA MORTGAGE GROUP LLC |
| Apr 20, 2023 | Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
| Jul 19, 2018 | Deed of Trust, Mortgage · Line of Credit M & T BANK |
| Jul 19, 2017 | Grant Deed, Transfer · Conventional with PMI M&T BK |
| Mar 21, 2017 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 20, 2023 · Amount on File |
| Deed Sale | Apr 20, 2023 · Amount on File |
| Prior Sale | Jul 19, 2017 · Amount on File |
| Deed Document Number | 20239 |
| Deed Book / Page | 19193 / 1461 |
| Prior Transfer Date | Feb 9, 2010 |
| Prior Transfer Doc | 0000001966 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 118 RECTOR ST, PERTH AMBOY, NJ 08861-4720 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2023 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Address | 118 RECTOR ST, PERTH AMBOY, NJ 08861-4720 |
| Document Number | 0000054580 |
|---|---|
| Date | Sep 14, 2023 |
| Book Page | 19299/847 |
| Instrument | 2023054580 |
| Name | PANORAMA MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | LAS VEGAS, NV 89119 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Recording Date | Apr 20, 2023 |
| Property Address | 118 RECTOR ST, PERTH AMBOY, NJ 08861-4720 |
| Document Number | 0000023049 |
| Book / Page | 19193 / 1461 |
| Instrument Date | Mar 20, 2023 |
| Instrument | 2023023049 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2023 |
| Title Company | PRESTIGE TITLE AGENCY INC, PRESTIGE TITLE AGENCY NOS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,831.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 64 YALE AVE, AVENEL, NJ 07001-1854 |
| Name | Verified Name |
|---|---|
| Address | 118 RECTOR ST, PERTH AMBOY, NJ 08861-4720 |
| Document Number | 0000023050 |
|---|---|
| Date | Apr 20, 2023 |
| Instrument | 2023023050 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 118 RECTOR ST, PERTH AMBOY, NJ 08861-4720 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000063003 |
|---|---|
| Date | Jul 19, 2018 |
| Book Page | 17240/0648 |
| Instrument | 201800063003 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | 00000 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Recording Date | Jul 19, 2017 |
| Property Address | 118 RECTOR ST, PERTH AMBOY, NJ 08861-4720 |
| Document Number | 0000012115 |
| Book / Page | 007011 / 000396 |
| Instrument Date | Jun 6, 2017 |
| Instrument | 12115 |
| Transaction Type | Transfer |
| Record Updated | May 1, 2018 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $110.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 118 RECTOR ST PERTH AMBOY NJ 088614720, PERTH AMBOY, NJ 08861-4720 |
| Document Number | 15604 |
|---|---|
| Date | Jul 19, 2017 |
| Book Page | 016830/000161 |
| Instrument | 15604 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 18, 2047 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Recording Date | Mar 21, 2017 |
| Property Address | 118 RECTOR ST, PERTH AMBOY, NJ 08861-4720 |
| Document Number | 0000005193 |
| Book / Page | 006953 / 000603 |
| Instrument Date | Mar 1, 2017 |
| Instrument | 5193 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 27, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $103.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 238 RECTOR ST PERTH AMBOY NJ 088614424, PERTH AMBOY, NJ 08861-4424 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 118 Rector St was $7,777, up 5.4% from the year before.
Source: Middlesex County and Perth Amboy City assessment roll, as of June 30, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Middlesex County |
| Municipality | Perth Amboy City |
| Unified School District | Perth Amboy City School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $244,700 (-) Land $108,500 Building $136,200 | $244,700 (-) Land $108,500 Building $136,200 | |
| 2025 | $7,777.00 (+5.35%) | $244,700 Land $108,500 Building $136,200 | $244,700 Land $108,500 Building $136,200 |
| 2024 | $7,382.00 | ||
| 2023 | $212,000 Land $90,500 Building $121,500 | $212,000 Land $90,500 Building $121,500 | |
| 2022 | $6,307.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 118 Rector St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 5 (2007–2012) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
| 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.
The area around 118 Rector 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 | PERTH AMBOY WATER DEPARTMENT serves 52,328 people · EPA ID NJ1216001 |
|---|---|
| Water Source | Purchased surface water from MIDDLESEX WATER COMPANY |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Gross alpha radiation not recorded as resolved · Jan 2026 Total trihalomethanes resolved · Jul 2019 |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2018 |
| Monitoring and Reporting | 4 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 291 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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