Middlesex County and Middlesex Borough property record for 38 Orchard Rd, Middlesex, NJ 08846
| Property Type | Single Family Home |
|---|---|
| Details | 2,606 sqft · built 1945 |
| Lot Size | 0.478 acres (20,839 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $100,000 (Sep 1998) |
| Tax Bill | $14,109 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Mar 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00079-0000-00019 |
| Primary APN | 10-00079-0000-00019 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,606 sqft Living Area |
| 1st Floor Area | 2,606 sqft |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Construction Type | Frame |
| Lot Area | 20,839 sqft (0.478 acres) |
| Lot Dimensions | 155 ft deep x 134 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 38 ORCHARD RD |
|---|---|
| City | MIDDLESEX |
| State | NJ |
| Zip | 08846-1343 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-75 |
| Legal Description | 134X155.5 |
| Legal Block | 79 |
| Legal Lot Number | 19 |
| Jurisdiction | MIDDLESEX NJ |
| Township / Civil Division | MIDDLESEX |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 101 |
Source: Middlesex County and Middlesex Borough records, as of September 29, 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 | 38 ORCHARD RD, MIDDLESEX, NJ 08846-1343 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 28, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Mar 22, 2021 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| May 15, 2020 | Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS |
| Dec 13, 2018 | Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 28, 1998 · Amount on Record |
| Deed Sale | Sep 28, 1998 · Amount on Record |
| Deed Book / Page | 4545 / 566 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Recording Date | Aug 28, 2026 |
| Property Address | 38 ORCHARD RD, MIDDLESEX, NJ 08846-1343 |
| Document Number | 0000055526 |
| Book / Page | 20114 / 274 |
| Instrument Date | Aug 11, 2026 |
| Instrument | 202655526 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 38 ORCHARD RD, MIDDLESEX, NJ 08846-1343 |
| Document Number | 0000055526, |
|---|---|
| Date | Aug 28, 2026 |
| Book Page | 20114/274 |
| Instrument | 202655526 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 38 ORCHARD RD, MIDDLESEX, NJ 08846-1343 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2021 |
| Title Company | BETTERS TITLE & SETTLEMENT-ORT, BETTERS TITLE AND SETMNT ORT |
| Name | Verified Name |
|---|
| Document Number | 2021040282 |
|---|---|
| Date | Mar 22, 2021 |
| Book Page | 18353/1229 |
| Instrument | 2021040282 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 38 ORCHARD RD, MIDDLESEX, NJ 08846-1343 |
| Document Number | 0000046231 |
| Instrument Date | May 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2020 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 38 ORCHARD RD MIDDLESEX NJ 088461343, MIDDLESEX, NJ 08846-1343 |
| Document Number | 0000046231 |
|---|---|
| Date | May 29, 2020 |
| Book Page | 017889/000811 |
| Instrument | 46231 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 28, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 38 ORCHARD RD, MIDDLESEX, NJ 08846-1343 |
| Document Number | 0000108284 |
| Instrument Date | Dec 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2019 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 38 ORCHARD RD MIDDLESEX NJ 088461343, MIDDLESEX, NJ 08846-1343 |
| Document Number | 0000108284 |
|---|---|
| Date | Dec 20, 2018 |
| Book Page | 017381/000401 |
| Instrument | 108284 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 19, 2048 |
Source: Middlesex County and Middlesex Borough assessment roll, as of June 30, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Middlesex County |
| Municipality | Middlesex Borough |
| Unified School District | Middlesex Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $671,800 (+0.95%) Land $177,200 Building $494,600 | $671,800 (+0.95%) Land $177,200 Building $494,600 | |
| 2025 | $14,109.00 (+11.8%) | $665,500 (+22.02%) Land $177,200 Building $488,300 | $665,500 (+22.02%) Land $177,200 Building $488,300 |
| 2024 | $12,620.00 (-18.21%) | ||
| 2023 | $545,400 Land $177,200 Building $368,200 | $545,400 Land $177,200 Building $368,200 | |
| 2022 | $15,429.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 24 policies |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 12 (2011–2025) |
| Claims Outside the SFHA | 2 of 12 |
| 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.
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.
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 478 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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