16 Ray St, Milltown, NJ 08850 Property Records

Middlesex County and Milltown Borough property record for 16 Ray St, Milltown, NJ 08850

Property Summary

Property Type	Single Family Home
Details	2,880 sqft · built 2000
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Sep 2016)
Tax Bill	$13,867 (2025)
Deeds & Mortgages	May 2026 Line of Credit Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-00067-0000-00012`

Property Details

APN / Parcel Number

Primary APN	`11-00067-0000-00012`
Alternative APN	`110006700012`

Interior

Building Area	2,880 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Location & Zoning

Street Address	16 RAY ST
City	MILLTOWN
State	NJ
Zip	08850-1228
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	50X100 13
Legal Subdivision	VAN PELT CONCRETE CO
Legal Block	67
Legal Lot Number	12
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	MILLTOWN
Census Block Group	1
Census Block	1005
Census Tract	6300

Owner

Source: Middlesex County and Milltown Borough 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	16 RAY ST, MILLTOWN, NJ 08850-1228
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Apr 26, 2021	Deed of Trust, Mortgage · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2016 · Amount on Record
Deed Sale	Sep 19, 2016 · Amount on Record
Prior Sale	Apr 23, 1999 · Amount on Record
Deed Document Number	2016279
Deed Book / Page	6867 / 603
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Recording Date	May 18, 2026
Property Address	16 RAY ST, MILLTOWN, NJ 08850-1228
Document Number	0000031389
Book / Page	20025 / 1025
Instrument Date	May 7, 2026
Instrument	202631389
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICE TITLE, SERVICELINK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 RAY ST, MILLTOWN, NJ 08850-1228

Mortgage

Document Number	0000031389,
Date	May 18, 2026
Book Page	20025/1025
Instrument	202631389

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Jun 1, 2066

Interest

Rate	6.37%
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	16 RAY ST, MILLTOWN, NJ 08850-1228
Transaction Type	Mortgage
Record Updated	Aug 18, 2022
Title Company	BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000056336
Date	Apr 26, 2021
Book Page	18411/982
Instrument	2021056336

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

Source: Middlesex County and Milltown Borough assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Middlesex County
Municipality	Milltown Borough
Unified School District	Milltown Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$199,500 (-) Land $66,200 Building $133,300	$199,500 (-) Land $66,200 Building $133,300
2025	$13,867.00 (+2.92%)	$199,500 (-) Land $66,200 Building $133,300	$199,500 (-) Land $66,200 Building $133,300
2024	$13,474.00 (+2.32%)
2023		$199,500 Land $66,200 Building $133,300	$199,500 Land $66,200 Building $133,300
2022	$13,169.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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

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	None beyond 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	MILLTOWN W DEPT serves 7,000 people · EPA ID NJ1212001
Water Source	Purchased surface water from NEW BRUNSWICK W DEPT
Lead	7 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026 Treatment failure not recorded as resolved · Nov 2025
Treatment and Procedure	Corrosion control Jul 2025 Lead public education Aug 2017
Monitoring and Reporting	9 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 321 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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