189 Mercer St, Somerville, NJ 08876 Property Records

Somerset County and Somerville Borough property record for 189 Mercer St, Somerville, NJ 08876

Property Summary

Property Type	Single Family Home
Details	1,330 sqft · built 1956
Lot Size	0.135 acres (5,872 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (Jan 2024)
Tax Bill	$9,671 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Oct 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1800143A00010I`

Property Details

APN / Parcel Number

Primary APN	`1800143A00010I`
Alternative APNs	`18-00143-01-00010-09` `18001430001000100009`

Interior

Stories	1 Story
Building Area	1,330 sqft Living Area
1st Floor Area	1,330 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Construction Type	Frame
Lot Area	5,872 sqft (0.135 acres)
Lot Dimensions	89 ft deep x 66 ft wide

Location & Zoning

Old Parcel Number	1800143A00010I
Street Address	189 MERCER ST
City	SOMERVILLE
State	NJ
Zip	08876-1525
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	FAIR ESTATES
Legal Block	143.1
Legal Lot Number	10.9
Jurisdiction	SOMERSET NJ
Township / Civil Division	SOMERVILLE
Census Block Group	2
Census Block	2002
Census Tract	50200

Owner

Source: Somerset County and Somerville Borough records, as of July 7, 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	189 MERCER ST, SOMERVILLE, NJ 08876-1525
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2024	Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Oct 6, 2023	Deed of Trust, Mortgage FREDERICK GLADSTONE
Oct 6, 2023	Deed, Construction Loan · Construction Mortgage LOAN FUNDING GROUP II LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2024 · Amount on Record
Deed Sale	Jan 31, 2024 · Amount on Record
Prior Sale	Oct 6, 2023 · Amount on Record
Deed Document Number	20242540
Deed Book / Page	7543 / 219
Record Updated	Sep 20, 2026

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Jan 31, 2024
Property Address	189 MERCER ST, SOMERVILLE, NJ 08876-1525
Document Number	0000002540
Book / Page	7543 / 219
Instrument Date	Jan 24, 2024
Instrument	2024002540
Transaction Type	Transfer
Record Updated	Feb 12, 2024
Title Company	NOT AVAILABLE, CATIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,839.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27 N BRIDGE ST, SOMERVILLE, NJ 08876-2110

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 MERCER ST, SOMERVILLE, NJ 08876-1525

Mortgage

Document Number	0000002541
Date	Jan 31, 2024
Instrument	2024002541

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	189 MERCER ST, SOMERVILLE, NJ 08876-1525
Transaction Type	Mortgage
Record Updated	Oct 19, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	399 CAMPUS DR, SOMERSET, NJ 08873-1168

Mortgage

Document Number	0000026245
Date	Oct 6, 2023
Book Page	7528/758
Instrument	2023026245

Lender

Name	FREDERICK GLADSTONE
Type	Private Party
Address	10 OCONNOR DR, HILLSBOROUGH, NJ 08844

Agreement

Amount	Amount Recorded

October 2023: Deed, Construction Loan

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Oct 6, 2023
Property Address	189 MERCER ST, SOMERVILLE, NJ 08876-1525
Document Number	0000026242
Book / Page	7528 / 718
Instrument Date	Sep 21, 2023
Instrument	2023026242
Transaction Type	Construction Loan
Record Updated	Oct 19, 2023
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Tax	$1,832.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	203 BEEKMAN LN, HILLSBOROUGH, NJ 08844-3475

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 MERCER ST, SOMERVILLE, NJ 08876-1525

Mortgage

Document Number	0000026243
Date	Oct 6, 2023
Instrument	2023026243

Lender

Name	LOAN FUNDING GROUP II LLC

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Oct 1, 2024

Mortgage

Document Number	0000026244
Date	Oct 6, 2023
Book Page	7528/750
Instrument	2023026244

Lender

Name	LOAN FUNDING GROUP II LLC
Address	MOUNTAINSIDE, NJ 07092

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Somerset County and Somerville Borough assessment roll, as of July 7, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$237,100 (-) Land $108,400 Building $128,700	$237,100 (-) Land $108,400 Building $128,700
2025	$9,671.00 (+10.41%)	$237,100 (+6.99%) Land $108,400 Building $128,700	$237,100 (+6.99%) Land $108,400 Building $128,700
2024	$8,759.00 (+8.35%)
2023		$221,600 (-) Land $108,400 Building $113,200	$221,600 (-) Land $108,400 Building $113,200
2022	$8,084.00 (+0.66%) Widower's exemption	$221,600 Land $108,400 Building $113,200	$221,600 Land $108,400 Building $113,200
2021	$8,031.00

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 September 3, 2025 · 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 Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	34 (1999–2021)
Claims Outside the SFHA	15 of 34
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 13 claims Hurricane Irene, Aug 2011 · 12 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 9 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

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.

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 286 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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