32 Ross St, Somerville, NJ 08876 Property Records

Somerset County and Somerville Borough property record for 32 Ross St, Somerville, NJ 08876

Property Summary

Property Type	Single Family Home
Details	1,912 sqft · built 1880
Lot Size	0.214 acres (9,300 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Jun 2022)
Tax Bill	$11,034 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jan 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-00112-0000-00016`

Property Details

APN / Parcel Number

Primary APN	`18-00112-0000-00016`
Alternative APN	`180011200016`

Interior

Stories	2 Stories
Building Area	1,912 sqft Living Area

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Construction Type	Frame
Lot Area	9,300 sqft (0.214 acres)
Lot Dimensions	186 ft deep x 50 ft wide

Location & Zoning

Street Address	32 ROSE ST
City	SOMERSET
State	NJ
Zip	08873-2650
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	112
Legal Lot Number	16
Jurisdiction	SOMERSET NJ
Township / Civil Division	SOMERVILLE
Census Block Group	2
Census Block	2028
Census Tract	50100

Owner

32 Ross St is owned by two individuals who bought it in June 2022.

Source: Somerset County and Somerville Borough records, as of July 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	32 ROSS ST, SOMERVILLE, NJ 08876-1905
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

Date	Document
Jun 22, 2022	Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 10, 2020	Deed of Trust, Mortgage · Line of Credit PROVIDENT BANK
Jul 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2022 · Amount on File
Deed Sale	Jun 22, 2022 · Amount on File
Prior Sale	Apr 7, 1999 · Amount on File
Deed Document Number	202228134
Deed Book / Page	7452 / 3186
Record Updated	Oct 29, 2026

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Jun 22, 2022
Property Address	32 ROSS ST, SOMERVILLE, NJ 08876-1905
Document Number	0000028134
Book / Page	7452 / 3186
Instrument Date	Jun 10, 2022
Instrument	2022028134
Transaction Type	Transfer
Record Updated	Jul 4, 2022
Title Company	FOUNDATION TITLE, FOUNDATION TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,602.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	38 DITMAR BLVD, 38, WHITEHOUSE STATION, NJ 08889-3740

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 ROSS ST, SOMERVILLE, NJ 08876-1905

Mortgage

Document Number	0000028135
Date	Jun 22, 2022
Instrument	2022028135

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	32 ROSS ST, SOMERVILLE, NJ 08876-1905
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001332
Date	Jan 10, 2020
Book Page	7180/3696
Instrument	2020001332

Lender

Name	PROVIDENT BANK
Type	Subprime Lender
Address	ISELIN, NJ 08830

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	32 ROSS ST, SOMERVILLE, NJ 08876-1905
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	GREEN HILL TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028946
Date	Jul 7, 2020
Book Page	7225/3286
Instrument	2020028946

Lender

Name	PROVIDENT BANK
Type	Bank
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 5, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 32 Ross St was $11,034, up 3.2% from the year before.

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		$270,500 (-) Land $116,400 Building $154,100	$270,500 (-) Land $116,400 Building $154,100
2025	$11,034.00 (+3.2%)	$270,500 Land $116,400 Building $154,100	$270,500 Land $116,400 Building $154,100
2024	$10,692.00
2023		$261,600 Land $116,400 Building $145,200	$261,600 Land $116,400 Building $145,200
2022	$9,838.00

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

Flood

FEMA maps place 32 Ross St in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1996.

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
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

Wildfire risk around 32 Ross St is low, with 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 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 366 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: Xfinity.

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