224 Stephenson Ave, Middlesex, NJ 08846 Property Records

Middlesex County and Middlesex Borough property record for 224 Stephenson Ave, Middlesex, NJ 08846

Property Summary

Property Type	Single Family Home
Details	1,085 sqft · built 1946
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$118,000 (Dec 1994)
Tax Bill	$9,892 (2025)
Deeds & Mortgages	Apr 2023 Second Mortgage Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-00012-0000-00013`

Property Details

APN / Parcel Number

Primary APN	`10-00012-0000-00013`
Alternative APN	`100001200013`

Interior

Stories	1 Story
Building Area	1,085 sqft Living Area
1st Floor Area	1,085 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1970
Exterior Material	Stucco
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Location & Zoning

Street Address	224 STEPHENSON AVE
City	MIDDLESEX
State	NJ
Zip	08846-1633
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-75
Legal Description	50X100
Legal Block	12
Legal Lot Number	13
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	MIDDLESEX
Census Block Group	1
Census Block	1008
Census Tract	200

Owner

224 Stephenson Ave is owned and occupied by two individuals who acquired it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	224 STEPHENSON AVE, MIDDLESEX, NJ 08846-1633
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Date	Document
Apr 10, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Mar 18, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage SOFI LENDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 1994 · Amount on File
Deed Sale	Dec 12, 1994 · Amount on File
Deed Book / Page	4203 / 368
Last Transfer Date	Sep 24, 2021
Transfer Doc	0000029014
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	224 STEPHENSON AVE, MIDDLESEX, NJ 08846-1633
Transaction Type	Mortgage
Record Updated	Apr 24, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020666
Date	Apr 10, 2023
Book Page	19186/557
Instrument	2023020666

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	WAYNE, PA 19087

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	May 1, 2033

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MIDDLESEX NJ
Recording Date	Mar 18, 2022
Property Address	224 STEPHENSON AVE, MIDDLESEX, NJ 08846-1633
Document Number	0000029014
Book / Page	18866 / 558
Instrument Date	Sep 24, 2021
Instrument	2022029014
Transaction Type	Transfer
Record Updated	Apr 15, 2022
Title Company	SERVICELINK EAST ESCROW

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	224 STEPHENSON AVE, MIDDLESEX, NJ 08846-1633

Mortgage

Document Number	0000029015
Date	Mar 18, 2022
Instrument	2022029015

Lender

Name	SOFI LENDING CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	355 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 224 Stephenson Ave was $9,892, up 17.1% from the year before.

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		$478,300 (+2.51%) Land $144,800 Building $333,500	$478,300 (+2.51%) Land $144,800 Building $333,500
2025	$9,892.00 (+17.09%)	$466,600 Land $144,800 Building $321,800	$466,600 Land $144,800 Building $321,800
2024	$8,448.00
2023		$365,100 Land $144,800 Building $220,300	$365,100 Land $144,800 Building $220,300
2022	$7,467.00

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

Flood

FEMA maps place 224 Stephenson Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 45 policies
Nearby Flood Policies	45 in force
Nearby Flood Claims	148 (1979–2025)
Claims Outside the SFHA	10 of 148
Most Recent Claim	Jul 2025 · rainfall accumulation
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 21 claims Hurricane Irene, Aug 2011 · 30 claims Severe Storms And Flooding, Mar 2010 · 30 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 224 Stephenson Ave 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	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 425 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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