20 Fraley Dr, Somerset, NJ 08873 Property Records

Somerset County and Franklin Township property record for 20 Fraley Dr, Somerset, NJ 08873

Property Summary

Property Type	Single Family Home
Details	2,590 sqft · built 1965
Lot Size	0.198 acres (8,625 sqft)
Owner	Individual Name on Record
Tax Bill	$8,965 (2025)
Deeds & Mortgages	Nov 2021 Reverse Mortgage Jun 2021 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-00269-0000-00029`

Property Details

APN / Parcel Number

Primary APN	`08-00269-0000-00029`
Alternative APN	`080026900029`

Interior

Stories	2 Stories
Building Area	2,590 sqft Living Area

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Construction Type	Frame
Lot Area	8,625 sqft (0.198 acres)
Lot Dimensions	115 ft deep x 75 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	20 FRALEY DR
City	SOMERSET
State	NJ
Zip	08873-1964
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R7
Legal Subdivision	CAROL MANOR SEC 01 & 02
Legal Block	269
Legal Lot Number	29
Jurisdiction	SOMERSET NJ
Township / Civil Division	FRANKLIN
Census Block Group	5
Census Block	5011
Census Tract	53200

Owner

Source: Somerset County and Franklin Township 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	Individual Name on Record
Mailing Address	20 FRALEY DR, SOMERSET, NJ 08873-1964
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2021	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Jun 17, 2021	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2004
Deed Sale	Apr 14, 2004
Deed Book / Page	5569 / 1033
Prior Transfer Date	Sep 11, 2003
Prior Transfer Doc	5569001033
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	20 FRALEY DR, SOMERSET, NJ 08873-1964
Transaction Type	Mortgage
Record Updated	Nov 18, 2021
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 FRALEY DR, SOMERSET, NJ 08873-1909

Mortgage

Document Number	0000066199
Date	Nov 9, 2021
Book Page	7400/851
Instrument	2021066199

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	826 Months
Due	Sep 28, 2090

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	20 FRALEY DR, SOMERSET, NJ 08873-1964
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 FRALEY DR, SOMERSET, NJ 08873-1964

Mortgage

Document Number	0000037686
Date	Jun 17, 2021
Book Page	7354/113
Instrument	2021037686

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	831 Months
Due	Sep 28, 2090

Interest

Rate Type	Adjustable Rate
Rate	1.92%
Type Change Date	Jul 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

Tax Assessment & Valuation

Source: Somerset County and Franklin Township assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Somerset County
County Subdivision	Franklin Township
Unified School District	Franklin Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$559,100 (+9.82%) Land $317,400 Building $241,700	$559,100 (+9.82%) Land $317,400 Building $241,700
2025	$8,965.00 (+17.42%) Widower's exemption	$509,100 (+27.56%) Land $267,400 Building $241,700	$509,100 (+27.56%) Land $267,400 Building $241,700
2024	$7,635.00 (+1.62%)
2023		$399,100 Land $233,700 Building $165,400	$399,100 Land $233,700 Building $165,400
2022	$7,513.00

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force

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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FRANKLIN TOWNSHIP DEPT OF PUBLIC WORKS serves 57,150 people · EPA ID NJ1808001
Water Source	Purchased surface water from several systems
Last State Inspection	Sep 2024
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2021
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 658 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

May also be available: AT&T.

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