305 Union Ave, Middlesex, NJ 08846 Property Records

Middlesex County and Middlesex Borough property record for 305 Union Ave, Middlesex, NJ 08846

Property Summary

Property Type	Single Family Home
Details	3,619 sqft · built 1977
Lot Size	0.559 acres (24,337 sqft)
Owner	2 Individual Names on File
Tax Bill	$11,448 (2025)
Deeds & Mortgages	May 2026 Line of Credit Nov 2025 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`10-00117-0000-00017`

Property Details

APN / Parcel Number

Primary APN	`10-00117-0000-00017`
Alternative APN	`100011700017`

Interior

Stories	2 Stories
Building Area	3,619 sqft Living Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Frame
Lot Area	24,337 sqft (0.559 acres)
Lot Dimensions	208 ft deep x 117 ft wide

Location & Zoning

Street Address	305 UNION AVE
City	MIDDLESEX
State	NJ
Zip	08846-1736
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R100
Legal Description	117X208 AVG
Legal Subdivision	ELMWOOD ESTATES
Legal Block	117
Legal Lot Number	17
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	MIDDLESEX
Census Block Group	2
Census Block	2030
Census Tract	101

Owner

Source: Middlesex County and Middlesex Borough assessment roll, 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 File
Mailing Address	305 UNION AVE, MIDDLESEX, NJ 08846-1736
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 8, 2026	Deed of Trust, Mortgage · Line of Credit MUNICIPAL CREDIT UNION
Nov 19, 2025	Deed of Trust, Mortgage · Conventional Mortgage MUNICIPAL CREDIT UNION
Feb 8, 2022	Deed, Transfer · Conventional Mortgage NATIONWIDE MORTGAGE BANKERS INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 28, 2024
Deed Sale	May 28, 2024
Prior Sale	Feb 8, 2022 · Amount on Record
Deed Document Number	202428937
Deed Book / Page	19466 / 280
Prior Transfer Date	May 13, 2024
Prior Transfer Doc	0000028937
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Recording Date	May 8, 2026
Property Address	305 UNION AVE, MIDDLESEX, NJ 08846-1736
Document Number	0000029530
Book / Page	20018 / 1834
Instrument Date	Apr 15, 2026
Instrument	202629530
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 UNION AVE, MIDDLESEX, NJ 08846-1736

Mortgage

Document Number	0000029530,
Date	May 8, 2026
Book Page	20018/1834
Instrument	202629530

Lender

Name	MUNICIPAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 2056

Interest

Rate	6.22%
Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	305 UNION AVE, MIDDLESEX, NJ 08846-1736
Transaction Type	Mortgage
Record Updated	Dec 11, 2025
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 UNION AVE, MIDDLESEX, NJ 08846-1736

Mortgage

Document Number	0000071259
Date	Nov 19, 2025
Book Page	19881/455
Instrument	2025071259

Lender

Name	MUNICIPAL CREDIT UNION
Address	NEW YORK, NY 10007

Agreement

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

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MIDDLESEX NJ
Recording Date	Feb 8, 2022
Property Address	305 UNION AVE, MIDDLESEX, NJ 08846-1736
Document Number	0000015886
Book / Page	18822 / 303
Instrument Date	Dec 20, 2021
Instrument	2022015886
Transaction Type	Transfer
Record Updated	Mar 3, 2022
Title Company	TITLE FORWARD, TITLE FORWARD QUALIA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,791.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	154 FRONT ST, 154, SOUTH PLAINFIELD, NJ 07080-3402

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	305 UNION AVE, MIDDLESEX, NJ 08846-1736

Mortgage

Document Number	0000015887
Date	Feb 8, 2022
Instrument	2022015887

Lender

Name	NATIONWIDE MORTGAGE BANKERS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

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		$615,600 (+14%) Land $134,100 Building $481,500	$615,600 (+14%) Land $134,100 Building $481,500
2025	$11,448.00 (+4.15%)	$540,000 (+13.68%) Land $134,100 Building $405,900	$540,000 (+13.68%) Land $134,100 Building $405,900
2024	$10,992.00 (-38.36%)
2023		$475,000 Land $134,100 Building $340,900	$475,000 Land $134,100 Building $340,900
2022	$17,833.00

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (1999–2021)
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

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 96% of the US · lower than 89% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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 435 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Communications Fiber · Cable	8,000 / 8,000
Verizon Fiber	2,300 / 2,300
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile USA.

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