25 Central Ave, Somerville, NJ 08876 Property Records

Somerset County and Somerville Borough property record for 25 Central Ave, Somerville, NJ 08876

Property Summary

Property Type	Single Family Home
Details	1,129 sqft · built 1900
Lot Size	0.172 acres (7,501 sqft)
Owner	Individual Name on File
Last Sale	$480,000 (Aug 2025)
Tax Bill	$7,628 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-00058-0000-00016`

Property Details

APN / Parcel Number

Primary APN	`18-00058-0000-00016`
Alternative APN	`180005800016`

Interior

Stories	2 Stories
Building Area	1,129 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	7,501 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	25 CENTRAL AVE
City	SOMERVILLE
State	NJ
Zip	08876-3010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Subdivision	BUILDING LTS AT EAST SOMERVIL
Legal Block	58
Legal Lot Number	16
Jurisdiction	SOMERSET NJ
Township / Civil Division	SOMERVILLE
Census Block Group	1
Census Block	1008
Census Tract	50400

Owner

25 Central Ave is owned and occupied by an individual who bought it in August 2025.

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

Owner of Record	Individual Name on File
Mailing Address	25 CENTRAL AVE, SOMERVILLE, NJ 08876-3010
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

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
May 20, 2022	Deed, Transfer · FHA Mortgage LOWER LLC
Dec 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage ALLIED MORTGAGE GROUP INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2025 · Amount on File
Deed Sale	Aug 6, 2025 · Amount on File
Prior Sale	May 20, 2022 · Amount on File
Deed Document Number	202521046
Deed Book / Page	7631 / 974
Record Updated	Oct 29, 2026

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	May 20, 2022
Property Address	25 CENTRAL AVE, SOMERVILLE, NJ 08876-3010
Document Number	0000020121
Book / Page	7445 / 2248
Instrument Date	May 6, 2022
Instrument	2022020121
Transaction Type	Transfer
Record Updated	May 31, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,850.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	135 W MAIN ST # ST1, 135, BOUND BROOK, NJ 08805-1955

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 CENTRAL AVE, SOMERVILLE, NJ 08876-3010
Investor	Possibly a Property Investor

Mortgage

Document Number	0000020122
Date	May 20, 2022
Instrument	2022020122

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	25 CENTRAL AVE, SOMERVILLE, NJ 08876-3010
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065717
Date	Dec 17, 2020
Book Page	7286/3029
Instrument	2020065717

Lender

Name	ALLIED MORTGAGE GROUP INC
Type	Mortgage Company
Address	BALA CYNWYD, PA 19004

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	205 Months
Due	Jan 1, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 25 Central Ave was $7,628, up 3.2% from the year before.

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		$192,600 (+2.99%) Land $62,200 Building $130,400	$192,600 (+2.99%) Land $62,200 Building $130,400
2025	$7,628.00 (+3.19%)	$187,000 Land $62,200 Building $124,800	$187,000 Land $62,200 Building $124,800
2024	$7,392.00
2023		$187,000 Land $62,200 Building $124,800	$187,000 Land $62,200 Building $124,800
2022	$7,033.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 25 Central 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 September 3, 2025

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 25 Central Ave is low, with less than 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 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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