20 Clay St, Milltown, NJ 08850 Property Records

Middlesex County and Milltown Borough property record for 20 Clay St, Milltown, NJ 08850

Property Summary

Property Type	Single Family Home
Details	1,264 sqft · built 1875
Lot Size	0.257 acres (11,195 sqft)
Owner	Individual Name on File
Last Sale	$257,000 (Oct 2019)
Tax Bill	$9,738 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-00057-0000-00009`

Property Details

APN / Parcel Number

Primary APN	`11-00057-0000-00009`
Alternative APN	`110005700009`

Interior

Stories	2 Stories
Building Area	1,264 sqft Living Area

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1875
Lot Area	11,195 sqft (0.257 acres)

Location & Zoning

Street Address	20 CLAY ST
City	MILLTOWN
State	NJ
Zip	08850-1513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	.257 AC 8
Legal Block	57
Legal Lot Number	9
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	MILLTOWN
Census Block Group	4
Census Block	4007
Census Tract	6300

Owner

20 Clay St is owned and occupied by an individual who bought it in October 2019.

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

Owner of Record	Individual Name on File
Mailing Address	20 CLAY ST, MILLTOWN, NJ 08850-1513
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2019 · Amount on File
Deed Sale	Oct 30, 2019 · Amount on File
Prior Sale	Nov 13, 2013 · Amount on File
Deed Document Number	201991190
Deed Book / Page	17670 / 1152
Record Updated	Sep 20, 2026

October 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MIDDLESEX NJ
Recording Date	Oct 30, 2019
Property Address	20 CLAY ST, MILLTOWN, NJ 08850-1513
Document Number	0000091190
Book / Page	17670 / 1152
Instrument Date	Oct 25, 2019
Instrument	2019091190
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	SIGNATURE SETMNT & TTL AGCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,379.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10 BERSEY CT, 10, FORDS, NJ 08863-1501

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CLAY ST, MILLTOWN, NJ 08850-1513

Mortgage

Document Number	0000091191
Date	Oct 30, 2019
Instrument	2019091191

Lender

Name	UNITED MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 20 Clay St was $9,738, up 2.9% from the year before.

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		$140,100 (-) Land $71,600 Building $68,500	$140,100 (-) Land $71,600 Building $68,500
2025	$9,738.00 (+2.92%)	$140,100 Land $71,600 Building $68,500	$140,100 Land $71,600 Building $68,500
2024	$9,462.00
2023		$140,100 Land $71,600 Building $68,500	$140,100 Land $71,600 Building $68,500
2022	$9,248.00

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

Flood

FEMA maps place 20 Clay St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1992.

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
Nearby Flood Claims	3 (1992–2011)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 2 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

Wildfire risk around 20 Clay St 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 365 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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