197 E Main St, #199, Somerville, NJ 08876 Property Records

Somerset County and Somerville Borough property record for 197 E Main St, #199, Somerville, NJ 08876

Property Summary

Property Type	Single Family Home
Details	3,248 sqft · built 1920
Lot Size	0.189 acres (8,250 sqft)
Owner	2 Individual Names on File
Last Sale	$465,000 (Feb 2019)
Tax Bill	$13,722 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-00066-0000-00001`

Property Details

APN / Parcel Number

Primary APN	`18-00066-0000-00001`
Alternative APN	`180006600001`

Interior

Stories	2 Stories
Building Area	3,248 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	8,250 sqft (0.189 acres)
Lot Dimensions	150 ft deep x 55 ft wide

Location & Zoning

Street Address	197 E MAIN ST, 199
City	SOMERVILLE
State	NJ
Zip	08876-3025
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PO-R
Legal Subdivision	MUTUAL REALTY CO
Legal Block	66
Legal Lot Number	1
Jurisdiction	SOMERSET NJ
Township / Civil Division	SOMERVILLE
Census Block Group	1
Census Block	1012
Census Tract	50100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	6 DARWIN RD, OLD BRIDGE, NJ 08857-1310
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 14, 2019	Grant Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2019 · Amount on File
Deed Sale	Feb 14, 2019 · Amount on File
Prior Sale	Aug 11, 2000 · Amount on File
Deed Document Number	20195384
Deed Book / Page	7100 / 1975
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	197-199 E MAIN ST, SOMERVILLE, NJ 08876
Transaction Type	Mortgage
Record Updated	Feb 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004432
Date	Jan 31, 2022
Book Page	7421/58
Instrument	2022004432

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2037

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SOMERSET NJ
Recording Date	Feb 14, 2019
Property Address	197-199 E MAIN ST, SOMERVILLE, NJ 08876
Document Number	0000005384
Book / Page	007100 / 001975
Instrument Date	Jan 28, 2019
Instrument	5384
Transaction Type	Transfer
Record Updated	Mar 12, 2019
Title Company	PROVIDENCE ABSTRACT LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$465.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	197-199 E MAIN ST SOMERVILLE NJ 088763025, SOMERVILLE, NJ 08876-3025

Mortgage

Document Number	5385
Date	Feb 14, 2019
Book Page	007100/001981
Instrument	5385

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPEEL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 13, 2049

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		$336,400 (-) Land $115,400 Building $221,000	$336,400 (-) Land $115,400 Building $221,000
2025	$13,722.00 (+3.2%)	$336,400 (-) Land $115,400 Building $221,000	$336,400 (-) Land $115,400 Building $221,000
2024	$13,297.00 (+5.1%)
2023		$336,400 Land $115,400 Building $221,000	$336,400 Land $115,400 Building $221,000
2022	$12,652.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	44 (1983–2021)
Claims Outside the SFHA	13 of 44
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Hurricane Irene, Aug 2011 · 10 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 8 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 10 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 97% of the US · lower than 92% of New Jersey
Wildfire Likelihood	Under 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 453 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: AT&T.

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