224 1st St, Middlesex, NJ 08846 Property Records

Middlesex County and Middlesex Borough property record for 224 1st St, Middlesex, NJ 08846

Property Summary

Property Type	Single Family Home
Details	960 sqft · built 1963
Lot Size	0.138 acres (5,998 sqft)
Owner	2 Individual Names on Record
Last Sale	$491,000 (Oct 2025)
Tax Bill	$8,792 (2025)
Deeds & Mortgages	May 2026 Mortgage Aug 2025 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`10-00231-0000-00008`

Property Details

APN / Parcel Number

Primary APN	`10-00231-0000-00008`
Alternative APN	`100023100008`

Interior

Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Construction Type	Frame
Lot Area	5,998 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide

Location & Zoning

Street Address	224 1ST ST
City	MIDDLESEX
State	NJ
Zip	08846-2114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60B
Legal Description	60X100 9-10
Legal Subdivision	DUNELLEN ESTS
Legal Block	231
Legal Lot Number	8
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	MIDDLESEX
Census Block Group	4
Census Block	4006
Census Tract	200

Owner

Source: Middlesex County and Middlesex Borough records, as of June 30, 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	224 1ST ST, MIDDLESEX, NJ 08846-2114
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Deed of Trust, Mortgage · FHA Mortgage PROSPERITY HOME MORTGAGE
Aug 26, 2025	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE FIRST MORTGAGE INC
Oct 6, 2025	Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Sep 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage SOMERSET SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2025 · Amount on Record
Deed Sale	Oct 6, 2025 · Amount on Record
Prior Sale	Sep 27, 2007 · Amount on Record
Deed Document Number	202560622
Deed Book / Page	19842 / 598
Prior Transfer Date	Sep 19, 2007
Prior Transfer Doc	2007015185
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Recording Date	May 18, 2026
Property Address	224 1ST ST, MIDDLESEX, NJ 08846-2114
Document Number	0000031357
Book / Page	20025 / 864
Instrument Date	May 9, 2026
Instrument	202631357
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TRIDENT LAND TRANSFER COMPANY, TRIDENT LAND TRANSFER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	224 1ST ST, MIDDLESEX, NJ 08846-2114

Mortgage

Document Number	0000031357,
Date	May 18, 2026
Book Page	20025/864
Instrument	202631357

Lender

Name	PROSPERITY HOME MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	224 1ST ST, MIDDLESEX, NJ 08846-2114
Transaction Type	Mortgage
Record Updated	Oct 22, 2025
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 1ST ST, MIDDLESEX, NJ 08846-2114

Mortgage

Document Number	0000051191
Date	Aug 26, 2025
Book Page	19807/1729
Instrument	2025051191

Lender

Name	CORNERSTONE FIRST MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MIDDLESEX NJ
Recording Date	Oct 6, 2025
Property Address	224 1ST ST, MIDDLESEX, NJ 08846-2114
Document Number	0000060622
Book / Page	19842 / 598
Instrument Date	Sep 24, 2025
Instrument	2025060622
Transaction Type	Transfer
Record Updated	Oct 22, 2025
Title Company	REALSAFE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,886.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16 VECCHIO RD, MANCHESTER, NJ 08759-8107

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	224 1ST ST, MIDDLESEX, NJ 08846-2114

Mortgage

Document Number	0000060623
Date	Oct 6, 2025
Instrument	2025060623

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	224 1ST ST, MIDDLESEX, NJ 08846-2114
Document Number	0000082332
Instrument Date	Sep 8, 2018
Transaction Type	Mortgage
Record Updated	Oct 5, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	224 1ST ST MIDDLESEX NJ 088462114, MIDDLESEX, NJ 08846-2114

Mortgage

Document Number	0000082332
Date	Sep 19, 2018
Book Page	017300/001605
Instrument	82332

Lender

Name	SOMERSET SVGS BK
Type	Federal Savings Bank
Address	BOUND BROOK, NJ 08805

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 18, 2028

Tax Assessment & Valuation

Source: Middlesex County and Middlesex Borough assessment roll, as of June 30, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$455,000 (+9.72%) Land $124,200 Building $330,800	$455,000 (+9.72%) Land $124,200 Building $330,800
2025	$8,792.00 (+3.92%)	$414,700 (+13.43%) Land $124,200 Building $290,500	$414,700 (+13.43%) Land $124,200 Building $290,500
2024	$8,460.00 (+11.08%)
2023		$365,600 Land $124,200 Building $241,400	$365,600 Land $124,200 Building $241,400
2022	$7,616.00

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 December 16, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 92 policies
Nearby Flood Policies	92 in force
Nearby Flood Claims	606 (1979–2025)
Claims Outside the SFHA	17 of 606
Most Recent Claim	Jul 2025 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 133 claims Severe Storms And Flooding, Mar 2010 · 160 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 92 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	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	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 362 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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