40 N Middaugh St, Somerville, NJ 08876 Property Records

Somerset County and Somerville Borough property record for 40 N Middaugh St, Somerville, NJ 08876

Property Summary

Property Type	Single Family Home
Details	2,360 sqft · built 1988
Lot Size	0.113 acres (4,901 sqft)
Owner	Individual Name on File
Last Sale	$365,000 (May 2018)
Tax Bill	$12,812 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-00129-0000-00035`

Property Details

APN / Parcel Number

Primary APN	`18-00129-0000-00035`
Alternative APNs	`18001290400001` `180012900035`

Interior

Stories	2 Stories
Building Area	2,360 sqft Living Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Frame
Lot Area	4,901 sqft (0.113 acres)
Lot Dimensions	98 ft deep x 50 ft wide

Location & Zoning

Old Parcel Number	18001290400001
Street Address	40 N MIDDAUGH ST
City	SOMERVILLE
State	NJ
Zip	08876-1807
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	129
Legal Lot Number	35
Jurisdiction	SOMERSET NJ
Township / Civil Division	SOMERVILLE
Census Block Group	2
Census Block	2026
Census Tract	50100

Owner

40 N Middaugh St is owned by an individual who bought it in May 2018.

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

Owner of Record	Individual Name on File
Mailing Address	38 N MIDDAUGH ST, 40, SOMERVILLE, NJ 08876-1807
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

Date	Document
Mar 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage PEAPACK GLADSTONE BANK
May 24, 2018	Deed, Transfer · Conventional Mortgage PEAPACK GLADSTONE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2018 · Amount on File
Deed Sale	May 24, 2018 · Amount on File
Prior Sale	Jun 8, 2004 · Amount on File
Deed Document Number	201818908
Deed Book / Page	7044 / 3502
Prior Transfer Date	Jan 9, 2007
Prior Transfer Doc	005991/223
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	40 N MIDDAUGH ST, SOMERVILLE, NJ 08876-1807
Transaction Type	Mortgage
Record Updated	Sep 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019299
Date	Mar 24, 2021
Book Page	7323/3867
Instrument	2021019299

Lender

Name	PEAPACK GLADSTONE BANK
Type	Bank
Address	BEDMINSTER, NJ 07921

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	May 24, 2018
Property Address	40 N MIDDAUGH ST, SOMERVILLE, NJ 08876-1807
Document Number	0000018908
Book / Page	7044 / 3502
Instrument Date	May 24, 2018
Instrument	2018018908
Transaction Type	Transfer
Record Updated	Sep 13, 2021
Title Company	ALLIED TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,879.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	38 N MIDDAUGH ST # ST40, 38, SOMERVILLE, NJ 08876-1807

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 N MIDDAUGH ST # 40, 40, SOMERVILLE, NJ 08876-1807

Mortgage

Document Number	0000018909
Date	May 24, 2018
Instrument	2018018909

Lender

Name	PEAPACK GLADSTONE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 40 N Middaugh St was $12,812, 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		$314,100 (-) Land $121,200 Building $192,900	$314,100 (-) Land $121,200 Building $192,900
2025	$12,812.00 (+3.19%)	$314,100 Land $121,200 Building $192,900	$314,100 Land $121,200 Building $192,900
2024	$12,416.00
2023		$314,100 Land $121,200 Building $192,900	$314,100 Land $121,200 Building $192,900
2022	$11,813.00

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

Flood

FEMA maps place 40 N Middaugh St in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1996.

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	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

Wildfire risk around 40 N Middaugh 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	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 489 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.

Nearby Properties on N Middaugh St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures