Middlesex County and Middlesex Borough property record for 16 Locust Ave, Middlesex, NJ 08846
| Property Type | Single Family Home |
|---|---|
| Details | 1,600 sqft · built 1960 |
| Lot Size | 0.186 acres (8,089 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $278,300 (Dec 2015) |
| Tax Bill | $11,471 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Oct 2023 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00070-03-00007 |
| Primary APN | 10-00070-03-00007 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,600 sqft Living Area |
| 1st Floor Area | 1,600 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Construction Type | Frame |
| Lot Area | 8,089 sqft (0.186 acres) |
| Street Address | 16 LOCUST AVE |
|---|---|
| City | MIDDLESEX |
| State | NJ |
| Zip | 08846-1410 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-75 |
| Legal Description | 8090 SF |
| Legal Subdivision | CRESTWOOD SEC 02 |
| Legal Block | 70.3 |
| Legal Lot Number | 7 |
| Jurisdiction | MIDDLESEX NJ |
| Township / Civil Division | MIDDLESEX |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 101 |
Source: Middlesex County and Middlesex Borough records · APN 10-00070-03-00007
Assessment roll updated June 30, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 16 LOCUST AVE, MIDDLESEX, NJ 08846-1410 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 26, 2025 | Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA |
| Oct 05, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Mar 09, 2021 | Deed of Trust, Mortgage · FHA Mortgage FAMILY FIRST FUNDING LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 17, 2015 · Amount on Record |
| Deed Sale | Dec 17, 2015 · Amount on Record |
| Prior Sale | Mar 17, 2009 · Amount on Record |
| Deed Document Number | 2015231 |
| Deed Book / Page | 6765 / 392 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 16 LOCUST AVE, MIDDLESEX, NJ 08846-1410 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 16 LOCUST AVE, MIDDLESEX, NJ 08846-1410 |
| Document Number | 0000058554 |
|---|---|
| Date | Sep 26, 2025 |
| Book Page | 19834/713 |
| Instrument | 2025058554 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | HOPKINS, MN 55343 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Oct 01, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 16 LOCUST AVE, MIDDLESEX, NJ 08846-1410 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000059347 |
|---|---|
| Date | Oct 05, 2023 |
| Book Page | 19315/1785 |
| Instrument | 2023059347 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 04, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 16 LOCUST AVE, MIDDLESEX, NJ 08846-1410 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2022 |
| Title Company | TITLE ON DEMAND OF NJ INC |
| Name | Verified Name |
|---|
| Document Number | 0000033436 |
|---|---|
| Date | Mar 09, 2021 |
| Book Page | 18329/832 |
| Instrument | 2021033436 |
| Name | FAMILY FIRST FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | TOMS RIVER, NJ 08753 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2051 |
Source: Middlesex County and Middlesex Borough records · Assessment roll updated June 30, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Middlesex County |
| Municipality | Middlesex Borough |
| Unified School District | Middlesex Borough School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $576,100 (+6.47%) Land $151,100 Building $425,000 | $576,100 (+6.47%) Land $151,100 Building $425,000 | |
| 2025 | $11,471.00 (+10.21%) | $541,100 (+20.3%) Land $151,100 Building $390,000 | $541,100 (+20.3%) Land $151,100 Building $390,000 |
| 2024 | $10,408.00 (+12.31%) | ||
| 2023 | $449,800 Land $151,100 Building $298,700 | $449,800 Land $151,100 Building $298,700 | |
| 2022 | $9,267.00 |
Source: FEMA National Flood Hazard Layer as of December 16, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 24 policies |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 12 (2011–2025) |
| Claims Outside the SFHA | 2 of 12 |
| Most Recent Claim | Jul 2025 · rainfall accumulation |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications 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 USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 268 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NJ AMERICAN WATER - RARITAN private · serves 615,430 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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