3 Prospect St, Somerville, NJ 08876 Property Records

Somerset County and Somerville Borough property record for 3 Prospect St, Somerville, NJ 08876

Property Summary

Property Type	Single Family Home
Details	2,520 sqft · built 1964
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$920,000 (Dec 2025)
Tax Bill	$17,144 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-00141-0000-00005`

Property Details

APN / Parcel Number

Primary APN	`18-00141-0000-00005`
Alternative APN	`180014100005`

Interior

Stories	1 Story
Building Area	2,520 sqft Living Area
1st Floor Area	2,520 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Construction Type	Frame
Lot Area	10,001 sqft (0.23 acres)
Lot Dimensions	200 ft deep x 50 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3 PROSPECT ST
City	SOMERSET
State	NJ
Zip	08873
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	BOROUGH/SOMERVILLE
Legal Block	141
Legal Lot Number	5
Jurisdiction	SOMERSET NJ
Township / Civil Division	SOMERVILLE
Census Block Group	2
Census Block	2002
Census Tract	50100

Owner

Source: Somerset County and Somerville Borough 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	2 Individual Names on Record
Mailing Address	3 PROSPECT ST, SOMERVILLE, NJ 08876-1407
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2025	Deed, Transfer · Conventional Mortgage PENTAGON FCU
Oct 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Oct 3, 2017	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2025 · Amount on Record
Deed Sale	Dec 8, 2025 · Amount on Record
Prior Sale	Oct 3, 2017 · Amount on Record
Deed Document Number	202534679
Deed Book / Page	7654 / 1091
Record Updated	Oct 29, 2026

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Dec 8, 2025
Property Address	3 PROSPECT ST, SOMERVILLE, NJ 08876-1407
Document Number	0000034679
Book / Page	7654 / 1091
Instrument Date	Dec 3, 2025
Instrument	2025034679
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	PROVIDENCE ABSTRACT LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,647.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	206 JEFFERSON ST # 2, 2, HOBOKEN, NJ 07030-1902

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 PROSPECT ST, SOMERVILLE, NJ 08876-1407

Mortgage

Document Number	0000034680
Date	Dec 8, 2025
Instrument	2025034680

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	3 PROSPECT ST, SOMERVILLE, NJ 08876-1407
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041338
Date	Oct 28, 2019
Book Page	7162/2863
Instrument	2019041338

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Oct 3, 2017
Property Address	3 PROSPECT ST, SOMERVILLE, NJ 08876-1407
Document Number	0000039891
Book / Page	6994 / 1244
Instrument Date	Sep 29, 2017
Instrument	2017039891
Transaction Type	Transfer
Record Updated	Nov 5, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,404.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	303 GRIBBS DR, 303, BRIDGEWATER, NJ 08807

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 PROSPECT ST, SOMERVILLE, NJ 08876-1407

Mortgage

Document Number	0000039892
Date	Oct 3, 2017
Instrument	2017039892

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

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		$449,400 (+6.92%) Land $149,500 Building $299,900	$449,400 (+6.92%) Land $149,500 Building $299,900
2025	$17,144.00 (+3.19%)	$420,300 (-) Land $149,500 Building $270,800	$420,300 (-) Land $149,500 Building $270,800
2024	$16,614.00 (+5.11%)
2023		$420,300 Land $149,500 Building $270,800	$420,300 Land $149,500 Building $270,800
2022	$15,807.00

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	10 (1996–2021)
Claims Outside the SFHA	7 of 10
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 2 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 5 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	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 286 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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