Middlesex County and Perth Amboy City property record for 165 Rector St, Perth Amboy, NJ 08861
| Property Type | Single Family Home |
|---|---|
| Details | 2,424 sqft · built 1899 |
| Lot Size | 0.181 acres (7,902 sqft) |
| Owner | Individual Name on File |
| Last Sale | $375,000 (Jan 2020) |
| Tax Bill | $10,443 (2025) |
| Deeds & Mortgages | Aug 2023 Second Mortgage Jan 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-00025-0000-00011-01 |
| Primary APN | 16-00025-0000-00011-01 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,424 sqft Living Area |
| Year Built | Built 1899 |
|---|---|
| Effective Year Built | Effective 1899 |
| Construction Type | Frame |
| Lot Area | 7,902 sqft (0.181 acres) |
| Lot Dimensions | 158 ft deep x 50 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 1600025000000011A |
|---|---|
| Street Address | 165 RECTOR ST |
| City | PERTH AMBOY |
| State | NJ |
| Zip | 08861-4721 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R50 |
| Legal Description | 50X158 11.02 |
| Legal Block | 25 |
| Legal Lot Number | 11.1 |
| Jurisdiction | MIDDLESEX NJ |
| Township / Civil Division | PERTH AMBOY |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 5000 |
165 Rector St is owned by an individual who bought it in January 2020.
Source: Middlesex County and Perth Amboy City records, as of June 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 163 RECTOR ST, PERTH AMBOY, NJ 08861-4721 |
| 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.
| Date | Document |
|---|---|
| Aug 21, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEW JERSEY HOUSING & MORTGAGE FIN AGENCY |
| Jan 28, 2020 | Bargain and Sale Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Sep 24, 2019 | Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG |
| Mar 27, 2018 | Deed, Transfer · VA Mortgage M & T BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 28, 2020 · Amount on File |
| Deed Sale | Jan 28, 2020 · Amount on File |
| Prior Sale | Mar 27, 2018 · Amount on File |
| Deed Document Number | 20209216 |
| Deed Book / Page | 17765 / 149 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 165 RECTOR ST, PERTH AMBOY, NJ 08861-4721 |
| Transaction Type | Mortgage |
| Record Updated | Sep 5, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000048918 |
|---|---|
| Date | Aug 21, 2023 |
| Book Page | 19280/1096 |
| Instrument | 2023048918 |
| Name | NEW JERSEY HOUSING & MORTGAGE FIN AGENCY |
|---|---|
| Type | Government Agency |
| Address | TRENTON, NJ 08650 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Recording Date | Jan 28, 2020 |
| Property Address | 165 RECTOR ST, PERTH AMBOY, NJ 08861-4721 |
| Document Number | 0000009216 |
| Book / Page | 17765 / 0149 |
| Instrument Date | Jan 6, 2020 |
| Instrument | 2020009216 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2022 |
| Title Company | M A D TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,975.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 165 RECTOR ST, 165, PERTH AMBOY, NJ 08861-4721 |
| Name | Verified Name |
|---|---|
| Address | 163 RECTOR ST, PERTH AMBOY, NJ 08861-4721 |
| Document Number | 0000009217 |
|---|---|
| Date | Jan 28, 2020 |
| Instrument | 2020009217 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 165 RECTOR ST, PERTH AMBOY, NJ 08861-4721 |
| Document Number | 0000082982 |
| Instrument Date | Sep 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2019 |
| Title Company | VANTAGE PT TITLE INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 163 RECTOR ST PERTH AMBOY NJ 08861, PERTH AMBOY, NJ 08861 |
| Document Number | 0000082982 |
|---|---|
| Date | Oct 7, 2019 |
| Book Page | 017644/000811 |
| Instrument | 82982 |
| Name | CLEARPATH LNDG |
|---|---|
| Address | IRVINE, CA 92618 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 6, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Recording Date | Mar 27, 2018 |
| Property Address | 165 RECTOR ST, PERTH AMBOY, NJ 08861-4721 |
| Document Number | 0000025002 |
| Book / Page | 17124 / 0885 |
| Instrument Date | Feb 21, 2018 |
| Instrument | 201800025002 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2022 |
| Title Company | NRT TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,644.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 163 RECTOR ST, 163, PERTH AMBOY, NJ 08861-4721 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 163 RECTOR ST, PERTH AMBOY, NJ 08861-4721 |
| Document Number | 0000025003 |
|---|---|
| Date | Mar 27, 2018 |
| Instrument | 201800025003 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2048 |
The 2025 property tax bill for 165 Rector St was $10,443, up 5.3% 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 | $328,600 (-) Land $146,200 Building $182,400 | $328,600 (-) Land $146,200 Building $182,400 | |
| 2025 | $10,443.00 (+5.35%) | $328,600 Land $146,200 Building $182,400 | $328,600 Land $146,200 Building $182,400 |
| 2024 | $9,913.00 | ||
| 2023 | $328,600 Land $146,200 Building $182,400 | $328,600 Land $146,200 Building $182,400 | |
| 2022 | $9,775.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 165 Rector St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2007.
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 |
| 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 165 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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