318 2nd St, Middlesex, NJ 08846 Property Records

Middlesex County and Middlesex Borough property record for 318 2nd St, Middlesex, NJ 08846

Property Summary

Property Type	Single Family Home
Details	1,338 sqft · built 1964
Lot Size	0.115 acres (5,001 sqft)
Owner	Individual Name on Record
Last Sale	$353,000 (Oct 2020)
Tax Bill	$9,400 (2025)
Deeds & Mortgages	May 2026 Line of Credit Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`10-00043-0000-00012`

Property Details

APN / Parcel Number

Primary APN	`10-00043-0000-00012`
Alternative APN	`100004300012`

Interior

Stories	1 Story
Building Area	1,338 sqft Living Area

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Construction Type	Frame
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Location & Zoning

Street Address	318 2ND ST
City	MIDDLESEX
State	NJ
Zip	08846-1464
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60A
Legal Description	50X100 13
Legal Subdivision	DUNELLEN TERRACE
Legal Block	43
Legal Lot Number	12
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	MIDDLESEX
Census Block Group	1
Census Block	1024
Census Tract	200

Owner

Source: Middlesex County and Middlesex Borough records, 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	Individual Name on Record
Mailing Address	318 2ND ST, MIDDLESEX, NJ 08846-1464
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2026	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC
Oct 21, 2020	Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
Sep 5, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2020 · Amount on Record
Deed Sale	Oct 21, 2020 · Amount on Record
Deed Document Number	2020102674
Deed Book / Page	18086 / 1077
Prior Transfer Date	Aug 22, 2017
Prior Transfer Doc	0009050239
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Recording Date	May 5, 2026
Property Address	318 2ND ST, MIDDLESEX, NJ 08846-1464
Document Number	0000028787
Book / Page	20016 / 785
Instrument Date	Mar 27, 2026
Instrument	202628787
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICE TITLE, SERVICELINK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 2ND ST, MIDDLESEX, NJ 08846-1464

Mortgage

Document Number	0000028787,
Date	May 5, 2026
Book Page	20016/785
Instrument	202628787

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 27, 2056

Interest

Rate	5.98%
Max Rate	-1%

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MIDDLESEX NJ
Recording Date	Oct 21, 2020
Property Address	318 2ND ST, MIDDLESEX, NJ 08846-1464
Document Number	0000102674
Book / Page	18086 / 1077
Instrument Date	Sep 17, 2020
Instrument	2020102674
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	GUARDIAN SETMNT AGENTS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,292.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	74B MIDDLESEX VLG, 74B, MIDDLESEX, NJ 08846

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 2ND ST, MIDDLESEX, NJ 08846-1464

Mortgage

Document Number	0000102675
Date	Oct 21, 2020
Instrument	2020102675

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MIDDLESEX NJ
Recording Date	Sep 5, 2017
Property Address	318 2ND ST, MIDDLESEX, NJ 08846-1464
Document Number	0000015017
Book / Page	007035 / 000583
Instrument Date	Aug 22, 2017
Instrument	15017
Transaction Type	Transfer
Record Updated	May 1, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	318 2ND ST MIDDLESEX NJ 088461464, MIDDLESEX, NJ 08846-1464

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		$468,600 (+5.68%) Land $122,400 Building $346,200	$468,600 (+5.68%) Land $122,400 Building $346,200
2025	$9,400.00 (+2.59%)	$443,400 (+11.97%) Land $122,400 Building $321,000	$443,400 (+11.97%) Land $122,400 Building $321,000
2024	$9,163.00 (+6.13%)
2023		$396,000 Land $122,400 Building $273,600	$396,000 Land $122,400 Building $273,600
2022	$8,634.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 45 policies
Nearby Flood Policies	45 in force
Nearby Flood Claims	148 (1979–2025)
Claims Outside the SFHA	10 of 148
Most Recent Claim	Jul 2025 · rainfall accumulation
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 21 claims Hurricane Irene, Aug 2011 · 30 claims Severe Storms And Flooding, Mar 2010 · 30 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	Not rated no burnable land within 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 362 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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