3 Ray St, Milltown, NJ 08850 Property Records

Middlesex County and Milltown Borough property record for 3 Ray St, Milltown, NJ 08850

Property Summary

Property Type	Single Family Home
Details	2,166 sqft · built 1967
Lot Size	0.23 acres (10,001 sqft)
Owner	Company Name on Record
Last Sale	$410,000 (Aug 2005)
Tax Bill	$13,158 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-00207-0000-00001`

Property Details

APN / Parcel Number

Primary APN	`11-00207-0000-00001`
Alternative APN	`110020700001`

Interior

Stories	1 Story
Building Area	2,166 sqft Living Area
1st Floor Area	2,166 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Construction Type	Frame
Lot Area	10,001 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3 RAY ST
City	MILLTOWN
State	NJ
Zip	08850-1215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	100X100
Legal Subdivision	LAKESIDE HOMES SEC 01
Legal Block	207
Legal Lot Number	1
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	MILLTOWN
Census Block Group	1
Census Block	1026
Census Tract	6300

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	3 RAY ST, MILLTOWN, NJ 08850-1215
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2025	Deed of Trust, Mortgage · SBA Mortgage MERIDIAN BANK
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Nov 16, 2017	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2005 · Amount on Record
Deed Sale	Aug 17, 2005 · Amount on Record
Prior Sale	Aug 5, 2002 · Amount on Record
Deed Book / Page	5534 / 727
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	3 RAY ST, MILLTOWN, NJ 08850-1215
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 RAY ST, MILLTOWN, NJ 08850-1215

Mortgage

Document Number	0000079752
Date	Dec 26, 2025
Book Page	19912/1351
Instrument	2025079752

Lender

Name	MERIDIAN BANK
Type	Bank
Address	MALVERN, PA 19355

Agreement

Type	SBA Mortgage
Amount	Amount Recorded

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	3 RAY ST, MILLTOWN, NJ 08850-1215
Transaction Type	Mortgage
Record Updated	Apr 21, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021046283
Date	Apr 5, 2021
Book Page	18375/79
Instrument	2021046283

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

November 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MIDDLESEX NJ
Property Address	3 RAY ST, MILLTOWN, NJ 08850-1215
Document Number	0000007177
Instrument Date	Nov 16, 2017
Transaction Type	Mortgage
Record Updated	Aug 30, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 RAY ST MILLTOWN NJ 088501215, MILLTOWN, NJ 08850-1215

Mortgage

Document Number	0000007177
Date	Jan 26, 2018
Book Page	017070/001059
Instrument	7177

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jan 25, 2046

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$189,300 (-) Land $86,500 Building $102,800	$189,300 (-) Land $86,500 Building $102,800
2025	$13,158.00 (+2.92%)	$189,300 (-) Land $86,500 Building $102,800	$189,300 (-) Land $86,500 Building $102,800
2024	$12,785.00 (+2.32%)
2023		$189,300 Land $86,500 Building $102,800	$189,300 Land $86,500 Building $102,800
2022	$12,495.00

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 December 16, 2021 · 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
Nearby Flood Policies	2 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	Low lower than 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood	0.02% 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	MILLTOWN W DEPT serves 7,000 people · EPA ID NJ1212001
Water Source	Purchased surface water from NEW BRUNSWICK W DEPT
Lead	7 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026 Treatment failure not recorded as resolved · Nov 2025
Treatment and Procedure	Corrosion control Jul 2025 Lead public education Aug 2017
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 321 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: Xfinity.

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