34 Prospect St, Somerset, NJ 08873 Property Records

Somerset County and Somerville Borough property record for 34 Prospect St, Somerset, NJ 08873

Property Summary

Property Type	Single Family Home
Details	1,641 sqft · built 1957
Lot Size	0.278 acres (12,118 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Oct 2018)
Tax Bill	$13,147 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-00153-0000-00008`

Property Details

APN / Parcel Number

Primary APN	`18-00153-0000-00008`
Alternative APN	`180015300008`

Interior

Stories	1 Story
Building Area	1,641 sqft Living Area
1st Floor Area	1,641 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Brick
Construction Type	Brick
Lot Area	12,118 sqft (0.278 acres)
Lot Dimensions	120 ft deep x 101 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	34 PROSPECT ST
City	SOMERSET
State	NJ
Zip	08873
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	GLENWOOD ESTATES
Legal Block	153
Legal Lot Number	8
Jurisdiction	SOMERSET NJ
Township / Civil Division	SOMERVILLE
Census Block Group	2
Census Block	2000
Census Tract	50100

Owner

Source: Somerset County and Somerville Borough records, as of July 7, 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 Record
Mailing Address	34 PROSPECT ST, SOMERVILLE, NJ 08876-1408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALLY CAPITAL CORP
Sep 28, 2019	Deed of Trust, Mortgage · Conventional with PMI TIAA FSB
Oct 2, 2018	Grant Deed, Transfer · Conventional Mortgage TIAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2018 · Amount on Record
Deed Sale	Oct 2, 2018 · Amount on Record
Prior Sale	Mar 23, 2016 · Amount on Record
Deed Document Number	201837323
Deed Book / Page	7074 / 3639
Prior Transfer Date	Jan 12, 2007
Prior Transfer Doc	005990/387
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	34 PROSPECT ST, SOMERVILLE, NJ 08876-1408
Transaction Type	Mortgage
Record Updated	Mar 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012905
Date	Feb 25, 2021
Book Page	7313/2122
Instrument	2021012905

Lender

Name	ALLY CAPITAL CORP
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	34 PROSPECT ST, SOMERVILLE, NJ 08876-1408
Document Number	0000040185
Instrument Date	Sep 28, 2019
Transaction Type	Mortgage
Record Updated	Nov 7, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	34 PROSPECT ST SOMERVILLE NJ 088761408, SOMERVILLE, NJ 08876-1408

Mortgage

Document Number	0000040185
Date	Oct 21, 2019
Book Page	007160/002986
Instrument	40185

Lender

Name	TIAA FSB
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 20, 2049

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SOMERSET NJ
Recording Date	Oct 2, 2018
Property Address	34 PROSPECT ST, SOMERVILLE, NJ 08876-1408
Document Number	0000037323
Book / Page	007074 / 003639
Instrument Date	Sep 26, 2018
Instrument	37323
Transaction Type	Transfer
Record Updated	Jan 16, 2019
Title Company	RARITAN VALLEY TITLE EXAMINERS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	34 PROSPECT ST SOMERSET NJ 08873, SOMERSET, NJ 08873

Mortgage

Document Number	37324
Date	Oct 2, 2018
Book Page	007074/003645
Instrument	37324

Lender

Name	TIAA FSB
Address	JACKSONVILLE, FL 37202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

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		$322,300 (-) Land $148,000 Building $174,300	$322,300 (-) Land $148,000 Building $174,300
2025	$13,147.00 (+3.19%)	$322,300 (-) Land $148,000 Building $174,300	$322,300 (-) Land $148,000 Building $174,300
2024	$12,741.00 (+5.12%)
2023		$322,300 Land $148,000 Building $174,300	$322,300 Land $148,000 Building $174,300
2022	$12,121.00

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 September 3, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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 286 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: T-Mobile.

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