Middlesex County and Dunellen Borough property record for 324 Prospect Ave, Dunellen, NJ 08812
| Property Type | Single Family Home |
|---|---|
| Details | 2,310 sqft · built 1928 |
| Lot Size | 0.273 acres (11,901 sqft) |
| Owner | Individual Name on File |
| Last Sale | $385,000 (Jun 2006) |
| Tax Bill | $12,989 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Sep 2022 Second Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 03-00060-0000-00004 |
| Primary APN | 03-00060-0000-00004 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,310 sqft Living Area |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1928 |
| Construction Type | Frame |
| Lot Area | 11,901 sqft (0.273 acres) |
| Lot Dimensions | 170 ft deep x 70 ft wide |
| Street Address | 324 PROSPECT AVE |
|---|---|
| City | DUNELLEN |
| State | NJ |
| Zip | 08812-1528 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | 70X170 |
| Legal Block | 60 |
| Legal Lot Number | 4 |
| Jurisdiction | MIDDLESEX NJ |
| Township / Civil Division | DUNELLEN |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 300 |
324 Prospect Ave is owned and occupied by an individual who bought it in June 2006.
Source: Middlesex County and Dunellen Borough records, as of July 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 324 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.
| Date | Document |
|---|---|
| Jun 23, 2026 | Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC |
| Sep 27, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage LAKEVIEW COMMUNITY CAPITAL LLC |
| Mar 17, 2020 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Nov 26, 2016 | Deed of Trust, Mortgage · FHA Mortgage EMBRACE HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 9, 2006 · Amount on File |
| Deed Sale | Jun 9, 2006 · Amount on File |
| Prior Sale | Sep 21, 2000 · Amount on File |
| Deed Book / Page | 5678 / 503 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Recording Date | Jun 23, 2026 |
| Property Address | 324 PROSPECT AVE, DUNELLEN, NJ 08812-1528 |
| Document Number | 0000039530 |
| Book / Page | 20054 / 1470 |
| Instrument Date | Jun 9, 2026 |
| Instrument | 202639530 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 324 PROSPECT AVE, DUNELLEN, NJ 08812-1528 |
| Document Number | 0000039530, |
|---|---|
| Date | Jun 23, 2026 |
| Book Page | 20054/1470 |
| Instrument | 202639530 |
| Name | LOANDEPOT.COM LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 6, 2046 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 324 PROSPECT AVE, DUNELLEN, NJ 08812-1528 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2022 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0000083964 |
|---|---|
| Date | Sep 27, 2022 |
| Book Page | 19048/1052 |
| Instrument | 2022083964 |
| Name | LAKEVIEW COMMUNITY CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 324 PROSPECT AVE, DUNELLEN, NJ 08812-1528 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000025757 |
|---|---|
| Date | Mar 17, 2020 |
| Book Page | 17817/1940 |
| Instrument | 2020025757 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 324 PROSPECT AVE, DUNELLEN, NJ 08812-1528 |
| Document Number | 0000001395 |
| Book / Page | 016624 / 000424 |
| Instrument Date | Nov 26, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2017 |
| Title Company | EQUITY NATIONAL TITLE LLC, EQUITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 324 PROSPECT AVE DUNELLEN NJ 088121528, DUNELLEN, NJ 08812-1528 |
| Document Number | 0000001395 |
|---|---|
| Date | Jan 13, 2017 |
| Book Page | 016624/000424 |
| Instrument | 1395 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 12, 2027 |
The 2025 property tax bill for 324 Prospect Ave was $12,989, down 1% from the year before.
Source: Middlesex County and Dunellen Borough assessment roll, as of June 30, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Middlesex County |
| Municipality | Dunellen Borough |
| Unified School District | Dunellen Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $579,600 (+9.23%) Land $112,200 Building $467,400 | $579,600 (+9.23%) Land $112,200 Building $467,400 | |
| 2025 | $12,989.00 (-0.97%) | $530,600 Land $112,200 Building $418,400 | $530,600 Land $112,200 Building $418,400 |
| 2024 | $13,116.00 | ||
| 2023 | $442,400 Land $112,200 Building $330,200 | $442,400 Land $112,200 Building $330,200 | |
| 2022 | $11,104.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 324 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 |
|
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 risk around 324 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.
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 |
| 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.
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 |
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