397 William St, Somerville, NJ 08876 Property Records

Somerset County and Somerville Borough property record for 397 William St, Somerville, NJ 08876

Property Summary

Property Type	Single Family Home
Details	1,680 sqft · built 1920
Lot Size	0.233 acres (10,149 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Dec 2018)
Tax Bill	$13,187 (2025)
Deeds & Mortgages	Aug 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-00079-0000-00001`

Property Details

APN / Parcel Number

Primary APN	`18-00079-0000-00001`
Alternative APN	`180007900001`

Interior

Stories	2 Stories
Building Area	1,680 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	10,149 sqft (0.233 acres)
Lot Dimensions	145 ft deep x 70 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	397 WILLIAM ST
City	SOMERVILLE
State	NJ
Zip	08876-2029
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	ROSS ADD/VLG/SOMERVILLE
Legal Block	79
Legal Lot Number	1
Jurisdiction	SOMERSET NJ
Township / Civil Division	SOMERVILLE
Census Block Group	3
Census Block	3010
Census Tract	50300

Owner

397 William St is owned and occupied by an individual who bought it in December 2018.

Source: Somerset County and Somerville Borough records, as of July 7, 2026

Owner of Record	Individual Name on File
Mailing Address	397 WILLIAM ST, SOMERVILLE, NJ 08876-2029
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	Dec 14, 2018 · Amount on File
Deed Sale	Dec 14, 2018 · Amount on File
Prior Sale	Feb 6, 2018 · Amount on File
Deed Document Number	201846273
Deed Book / Page	7089 / 395
Prior Transfer Date	Nov 26, 1996
Prior Transfer Doc	2089000831
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	397 WILLIAM ST, SOMERVILLE, NJ 08876-2029
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021348
Date	Aug 8, 2025
Book Page	7631/3152
Instrument	2025021348

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 397 William St was $13,187, up 3.2% from the year before.

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		$323,300 (-) Land $139,100 Building $184,200	$323,300 (-) Land $139,100 Building $184,200
2025	$13,187.00 (+3.18%)	$323,300 Land $139,100 Building $184,200	$323,300 Land $139,100 Building $184,200
2024	$12,780.00
2023		$323,300 (-) Land $139,100 Building $184,200	$323,300 (-) Land $139,100 Building $184,200
2022	$12,159.00 (+0.65%)	$323,300 Land $139,100 Building $184,200	$323,300 Land $139,100 Building $184,200
2021	$12,081.00

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

Flood

FEMA maps place 397 William St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	6 (1979–2021)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

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 William St is low, with 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 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 525 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