12 Prospect St, Cranbury, NJ 08512 Property Records

Middlesex County and Cranbury Township property record for 12 Prospect St, Cranbury, NJ 08512

Property Summary

Property Type	Single Family Home
Details	1,906 sqft · built 1880
Lot Size	0.178 acres (7,741 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,463 (2025)
Deeds & Mortgages	Oct 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`02-00028-0000-00014`

Property Details

APN / Parcel Number

Primary APN	`02-00028-0000-00014`
Alternative APN	`020002800014`

Interior

Stories	2 Stories
Building Area	1,906 sqft Living Area

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Stucco
Lot Area	7,741 sqft (0.178 acres)
Lot Dimensions	180 ft deep x 43 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	12 PROSPECT ST
City	CRANBURY
State	NJ
Zip	08512-3228
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	V/HR
Legal Description	43X180
Legal Block	28
Legal Lot Number	14
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	CRANBURY
Census Block Group	1
Census Block	1006
Census Tract	8700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Cranbury Historic District listed 1980 · 177 contributing resources · NRIS 80002502

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

12 Prospect St is owned and occupied by two individuals.

Source: Middlesex County and Cranbury Township records, as of June 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12 PROSPECT ST, CRANBURY, NJ 08512-3228
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	12 PROSPECT ST, CRANBURY, NJ 08512-3228
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000089482
Date	Oct 25, 2019
Book Page	17665/0523
Instrument	2019089482

Lender

Name	1ST CONSTITUTION BANK
Type	Bank
Address	CRANBURY, NJ 08512

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 12 Prospect St was $7,463, up 0.1% from the year before.

Source: Middlesex County and Cranbury Township assessment roll, as of June 30, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$406,500 (-) Land $176,000 Building $230,500	$406,500 (-) Land $176,000 Building $230,500
2025	$7,463.00 (+0.11%)	$406,500 Land $176,000 Building $230,500	$406,500 Land $176,000 Building $230,500
2024	$7,455.00
2023		$406,500 Land $176,000 Building $230,500	$406,500 Land $176,000 Building $230,500
2022	$7,243.00

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

Flood

FEMA maps place 12 Prospect St in Zone X, an area of minimal flood risk, though there have been 29 flood claims nearby since 1979.

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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	29 (1979–2021)
Claims Outside the SFHA	9 of 29
Most Recent Claim	Aug 2021 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 13 claims Severe Storms And Flooding, Mar 2010 · 2 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 2 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

Wildfire risk around 12 Prospect St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 227 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20