314 Prospect Ave, Dunellen, NJ 08812 Property Records

Middlesex County and Dunellen Borough property record for 314 Prospect Ave, Dunellen, NJ 08812

Property Summary

Property Type	Single Family Home
Details	1,715 sqft · built 1911
Lot Size	0.324 acres (14,109 sqft)
Owner	2 Individual Names on File
Last Sale	$520,000 (Jul 2024)
Tax Bill	$10,615 (2025)
Deeds & Mortgages	Jul 2026 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`03-00060-0000-00002`

Property Details

APN / Parcel Number

Primary APN	`03-00060-0000-00002`
Alternative APN	`030006000002`

Interior

Stories	2 Stories
Building Area	1,715 sqft Living Area

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Architectural Style	Colonial
Construction Type	Frame
Lot Area	14,109 sqft (0.324 acres)
Lot Dimensions	170 ft deep x 83 ft wide

Location & Zoning

Street Address	314 PROSPECT AVE
City	DUNELLEN
State	NJ
Zip	08812-1528
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	83X170
Legal Subdivision	BOROUGH/DUNELLEN
Legal Block	60
Legal Lot Number	2
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	DUNELLEN
Census Block Group	1
Census Block	1020
Census Tract	300

Owner

314 Prospect Ave is owned and occupied by two individuals who bought it in July 2024.

Source: Middlesex County and Dunellen Borough records, as of August 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	314 PROSPECT AVE, DUNELLEN, NJ 08812-1528
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2024 · Amount on File
Deed Sale	Jul 26, 2024 · Amount on File
Deed Document Number	202441422
Deed Book / Page	19508 / 1006
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Recording Date	Jul 27, 2026
Property Address	314 PROSPECT AVE, DUNELLEN, NJ 08812-1528
Document Number	0000047941
Book / Page	20086 / 1611
Instrument Date	Jul 19, 2026
Instrument	202647941
Transaction Type	Mortgage
Record Updated	Aug 24, 2026
Title Company	FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 PROSPECT AVE, DUNELLEN, NJ 08812-1528

Mortgage

Document Number	0000047941,
Date	Jul 27, 2026
Book Page	20086/1611
Instrument	202647941

Lender

Name	AMERICAN FINANCING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 314 Prospect Ave was $10,615, up 5.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$459,600 (+6%) Land $118,200 Building $341,400	$459,600 (+6%) Land $118,200 Building $341,400
2025	$10,615.00 (+5.54%)	$433,600 Land $118,200 Building $315,400	$433,600 Land $118,200 Building $315,400
2024	$10,058.00
2023		$421,000 Land $118,200 Building $302,800	$421,000 Land $118,200 Building $302,800
2022	$10,066.00

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

Flood

FEMA maps place 314 Prospect Ave in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 131 policies
Nearby Flood Policies	131 in force
Nearby Flood Claims	160 (1978–2025)
Claims Outside the SFHA	16 of 160
Most Recent Claim	Jul 2025 · rainfall accumulation
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 33 claims Hurricane Irene, Sep 2011 · 47 claims Severe Storms And Flooding, Mar 2010 · 16 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 314 Prospect 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 98% of the US · lower than 94% 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 558 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
Xfinity Fiber	2,000 / 2,000
AT&T Fixed Wireless	100 / 20