397 Thomas St, Perth Amboy, NJ 08861 Property Records

Middlesex County and Perth Amboy City property record for 397 Thomas St, Perth Amboy, NJ 08861

Property Summary

Property Type	Single Family Home
Details	1,584 sqft · built 1984
Lot Size	0.086 acres (3,751 sqft)
Owner	2 Individual Names on File
Last Sale	$415,000 (Jun 2023)
Tax Bill	$7,058 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-00451-0000-00031-02`

Property Details

APN / Parcel Number

Primary APN	`16-00451-0000-00031-02`
Alternative APNs	`16004510000000310002` `1600451000000031B`

Interior

Stories	2 Stories
Building Area	1,584 sqft Living Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	3,751 sqft (0.086 acres)
Lot Dimensions	100 ft deep x 5 ft wide
Garage Type	Attached

Location & Zoning

Old Parcel Number	1600451000000031B
Street Address	397 THOMAS ST
City	PERTH AMBOY
State	NJ
Zip	08861-2034
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-50
Legal Description	37.5X100 32
Legal Block	451
Legal Lot Number	31.2
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	PERTH AMBOY
Census Block Group	1
Census Block	1006
Census Tract	4300

Owner

397 Thomas St is owned and occupied by two individuals who bought it in June 2023.

Source: Middlesex County and Perth Amboy City records, as of June 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	397 THOMAS ST, PERTH AMBOY, NJ 08861-2034
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	2 Names on Deed
Last Sale	Jun 5, 2023 · Amount on File
Deed Sale	Jun 5, 2023 · Amount on File
Deed Document Number	202331985
Deed Book / Page	19222 / 1375
Record Updated	Sep 20, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MIDDLESEX NJ
Recording Date	Jun 5, 2023
Property Address	397 THOMAS ST, PERTH AMBOY, NJ 08861-2034
Document Number	0000031985
Book / Page	19222 / 1375
Instrument Date	May 24, 2023
Instrument	2023031985
Transaction Type	Transfer
Record Updated	Jun 22, 2023
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,359.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19 HOY AVE, FORDS, NJ 08863-1919

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 THOMAS ST, PERTH AMBOY, NJ 08861-2034

Mortgage

Document Number	0000031986
Date	Jun 5, 2023
Instrument	2023031986

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 397 Thomas St was $7,058, up 5.3% from the year before.

Source: Middlesex County and Perth Amboy City assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Middlesex County
Municipality	Perth Amboy City
Unified School District	Perth Amboy City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$222,100 (-) Land $92,200 Building $129,900	$222,100 (-) Land $92,200 Building $129,900
2025	$7,058.00 (+5.34%)	$222,100 Land $92,200 Building $129,900	$222,100 Land $92,200 Building $129,900
2024	$6,700.00
2023		$217,800 Land $92,200 Building $125,600	$217,800 Land $92,200 Building $125,600
2022	$6,479.00

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

Flood

FEMA maps place 397 Thomas St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 16, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 397 Thomas St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	PERTH AMBOY WATER DEPARTMENT serves 52,328 people · EPA ID NJ1216001
Water Source	Purchased surface water from MIDDLESEX WATER COMPANY
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Gross alpha radiation not recorded as resolved · Jan 2026 Total trihalomethanes resolved · Jul 2019
Treatment and Procedure	Corrosion control Jul 2018
Monitoring and Reporting	4 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 352 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20