Somerset County and North Plainfield Borough property record for 188 Harding Ave, Plainfield, NJ 07063
| Property Type | Single Family Home |
|---|---|
| Details | 1,206 sqft · built 1929 |
| Lot Size | 0.115 acres (5,001 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $221,000 (Jul 2003) |
| Tax Bill | $9,540 (2025) |
| Deeds & Mortgages | Dec 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-00194-0000-00045 |
| Primary APN | 14-00194-0000-00045 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,206 sqft Living Area |
| Year Built | Built 1929 |
|---|---|
| Effective Year Built | Effective 1929 |
| Construction Type | Frame |
| Lot Area | 5,001 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Account Number | S001 |
|---|---|
| Street Address | 188 HARDING AVE |
| City | PLAINFIELD |
| State | NJ |
| Zip | 07063-1660 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | PLAINFIELD PARK GREENBROOK SUB |
| Legal Block | 194 |
| Legal Lot Number | 45 |
| Jurisdiction | SOMERSET NJ |
| Township / Civil Division | NORTH PLAINFIELD |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 51900 |
188 Harding Ave is owned and occupied by two individuals who bought it in July 2003.
Source: Somerset County and North Plainfield Borough records, as of July 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 188 HARDING AVE, PLAINFIELD, NJ 07063-1660 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 23, 2003 · Amount on File |
| Deed Sale | Jul 23, 2003 · Amount on File |
| Prior Sale | Jun 6, 2003 · Amount on File |
| Deed Book / Page | 5421 / 192 |
| Prior Transfer Date | Jul 27, 2002 |
| Prior Transfer Doc | 5384000497 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Property Address | 188 HARDING AVE, PLAINFIELD, NJ 07063-1660 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2023 |
| Title Company | ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 188 HARDING AVE, PLAINFIELD, NJ 07063-1660 |
| Document Number | 0000031444 |
|---|---|
| Date | Dec 5, 2023 |
| Book Page | 7536/135 |
| Instrument | 2023031444 |
| Name | LENDAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jan 1, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 188 Harding Ave was $9,540, up 4.3% from the year before.
Source: Somerset County and North Plainfield Borough assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Somerset County |
| Municipality | North Plainfield Borough |
| Unified School District | North Plainfield Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $210,000 (-) Land $80,000 Building $130,000 | $210,000 (-) Land $80,000 Building $130,000 | |
| 2025 | $9,540.00 (+4.25%) | $210,000 Land $80,000 Building $130,000 | $210,000 Land $80,000 Building $130,000 |
| 2024 | $9,151.00 | ||
| 2023 | $210,000 Land $80,000 Building $130,000 | $210,000 Land $80,000 Building $130,000 | |
| 2022 | $8,570.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 188 Harding Ave 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 September 3, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 36 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 36 in force |
| Nearby Flood Claims | 218 (1979–2025) |
| Claims Outside the SFHA | 14 of 218 |
| Most Recent Claim | Jul 2025 · rainfall accumulation |
| 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.
Wildfire risk around 188 Harding Ave is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | None beyond 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 474 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 |
May also be available: Optimum.
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