397 Prospect Ave, Dunellen, NJ 08812 Property Records

Middlesex County and Dunellen Borough property record for 397 Prospect Ave, Dunellen, NJ 08812

Property Summary

Property Type	Single Family Home
Details	1,373 sqft · built 1957
Lot Size	0.232 acres (10,093 sqft)
Owner	Individual Name on File
Tax Bill	$10,353 (2025)
Deeds & Mortgages	Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-00061-0000-00036`

Property Details

APN / Parcel Number

Primary APN	`03-00061-0000-00036`
Alternative APN	`030006100036`

Interior

Stories	1 Story
Building Area	1,373 sqft Living Area
1st Floor Area	1,373 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Cape Cod
Construction Type	Frame
Lot Area	10,093 sqft (0.232 acres)
Lot Dimensions	174 ft deep x 58 ft wide

Location & Zoning

Street Address	397 PROSPECT AVE
City	DUNELLEN
State	NJ
Zip	08812-1527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	58X174
Legal Subdivision	HAYES ESTATE
Legal Block	61
Legal Lot Number	36
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	DUNELLEN
Census Block Group	1
Census Block	1019
Census Tract	300

Owner

397 Prospect Ave is owned and occupied by an individual who acquired it in June 2020.

Source: Middlesex County and Dunellen Borough records, as of June 30, 2026

Owner of Record	Individual Name on File
Mailing Address	397 PROSPECT AVE, DUNELLEN, NJ 08812-1527
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2020
Deed Sale	Jun 26, 2020
Prior Sale	Sep 12, 2003 · Amount on File
Deed Document Number	202055632
Deed Book / Page	17921 / 836
Prior Transfer Date	Jun 19, 2020
Prior Transfer Doc	2020055632
Record Updated	Oct 29, 2026

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MIDDLESEX NJ
Recording Date	Apr 4, 2019
Property Address	397 PROSPECT AVE, DUNELLEN, NJ 08812-1527
Document Number	0000024741
Book / Page	017461 / 001927
Instrument Date	Feb 11, 2019
Instrument	24741
Transaction Type	Transfer
Record Updated	Apr 18, 2019
Title Company	ALLIED TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$174.25
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	158A LEWIS ST PERTH AMBOY NJ 088614638, PERTH AMBOY, NJ 08861-4638

Mortgage

Document Number	24742
Date	Apr 4, 2019
Book Page	017461/001935
Instrument	24742

Lender

Name	JERSEY MTG
Type	Mortgage Company
Address	CRANFORD, NJ 07016

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 3, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 397 Prospect Ave was $10,353, down 2.4% from the year before.

Source: Middlesex County and Dunellen Borough assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Middlesex County
Municipality	Dunellen Borough
Unified School District	Dunellen Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$437,000 (+3.33%) Land $112,300 Building $324,700	$437,000 (+3.33%) Land $112,300 Building $324,700
2025	$10,353.00 (-2.39%)	$422,900 Land $112,300 Building $310,600	$422,900 Land $112,300 Building $310,600
2024	$10,606.00
2023		$351,700 Land $112,300 Building $239,400	$351,700 Land $112,300 Building $239,400
2022	$8,669.00

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

Flood

FEMA maps place 397 Prospect Ave in Zone X, an area of minimal flood risk, though there have been 160 flood claims nearby since 1978.

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 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	Remnants Of Hurricane Ida, Sep 2021 · 33 claims Hurricane Irene, Sep 2011 · 47 claims Severe Storms And Flooding, Mar 2010 · 16 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 397 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.

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 543 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

May also be available: Xfinity.

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